davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE (FL)

The loss claim process at AIMLOAN is utterly disappointing. While all others in our neighborhood recently struck with a damaging hailstorm have all simply had their insurance claim checks endorsed by their mortgage companies within a day of receiving them and with no further strings attached, AIM finally sent the XXXX of XXXX checks, XXXX weeks after I submitted the XXXX forms of required paper work and they misspelled the roofing company so now I get to wait another week. They require all kinds of endorsements and inspections among XXXX separate disbursements. I have a damaged roof waiting for the AIM process. After finally receiving a correct claim check after XXXX weeks, shingle prices increased causing an additional {$310.00} out of pocket cost to us. I believe their loss claim process is too onerous with the threshold set too low ( {$10000.00} ) Our claim is for a total of {$18000.00} making this a very difficult process. I own & gt ; 50 % equity in my home.
Consumer complaint received 2023-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

In XXXX - XXXX I applied for the COVID Forbearance assistance from Carrington Mortgage through the VA due to family circumstances during the pandemic. In XX/XX/XXXX we started a loan modification to catch up on my loan. We are now fully caught up and paying on the house as required. In XX/XX/XXXX I reached out to a real estate agent to sell my house due to medical bills accumulated during Covid-19 and had started to look for avenues to sell the house. During the time we had decided that a VA loan assumption would be most helpful due to some damages to the house ( Notably carpet from a rescued cat and a deck that needed to be redone ). We contacted Carrington in XX/XX/XXXX to get pre-approved for my house to be assumed, they ( Carrington Mortgage ) said that they would need some more time to decide due to the previous loan modification. About a week later ( I do not remember the specific time ) they called me and informed me that I would be able to sell my house through a loan assumption and proceeded to send me the paperwork. I received the paperwork in the first week of XXXX, forwarded the paperwork to the buyer, and Carrington received the paperwork on XXXX XX/XX/XXXX. I followed up SEVERAL times ( I have an average of 3 calls per month between then and XXXX XXXX ) asking for a follow up and was only told it was in underwriting. 

On XXXX XXXX the buyer reached out to me asking for information about the loan assumption so I called Carrington and made the Buyer an authorized user on the account so they could receive information. The information she received that day was that the loan could not be assumed due to the loan modification. This was never brought up during these calls when I asked for a status update and the buyer was told this before I was. This caused the sale to fall through and us to pull my house off the market due to the housing market to drop. 

This sale was vital to my family and myself to care for bills that had been accumulated while working through covid, both medical and otherwise, and the sale of the house would have prevented over {$35000.00} in wage garnishments and a further XXXX in debt that it was going to be used to fully pay off. 

Please understand, I'm not upset that we couldn't have my VA loan assumed ( however, after talking to the VA, I was told this would NEVER be the case and ALL VA loans can be assumed ), I'm upset that Carrington Mortgage waited TWO MONTHS to not even contact me to cancel the assumption AFTER I was pre-approved to have my loan assumed. I could have worked with the lawyers in our bills and not have had my wages garnished, but still worked over time to pay them off.
Consumer complaint received 2015-11-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (AZ)

I co-signed for a loan in XXXX with WellsFargo for my ex-spouse for XXXX. 
WellsFargo provided more loans to her without verifying my consent or me as co-signer. XXXX, XXXX additional loan was granted to her with me as a co-signer ( Without my approval or cosign ) 1. WellsFargo as a BANK continued to use my credential to issue additional loans and DID NOT verify my signatures. 
2. WellsFargo NEVER asked me for my permission on these loans, BANKS should verify the person ( co-signers ) upon whose name they are providing the money. 
3. Most Likely it is a identity theft issue also when my ex-spouse applied for more loans with my signature forged. 

WELLS fargo now is after me on all loans that she took, wellsfargo says I was the co-signer on ALL, while I was not. I co-signed only XXXX loan. The borrower doesnt live with me from XXXX and the bank is sending me letters for payments. I am not responsible for any loan that I did not co-signed. 

I already sent documentation to wells fargo telling them to remove my name on the XXXX loans taken in XXXX. 

Attachements : Copy of XXXX promisory notes that wells fargo sent me. NOTE the signature differences.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX  The Above inquiries appeared on all three consumer credit reporting agencies ( XXXX, XXXX and Transunion ) XXXX 

With the exception of XXXX ( I have both an auto loan and consumer credit card with them. ), I do not have an account nor have ever applied for credit from any of the above creditors. I contacted XXXX ( XXXX ) to inquire why all of these hard inquiries are on my consumer reports. They stated that they were applications for their business credit card. I informed them that I did not apply for their business credit card and to please remove the inquiries. Any applications are fraudulent especially with such frequency. XXXX said they would look into the matter and would make a determination within 60 to 90 days. I asked them for a letter stating this fact so I could forward it to the credit reporting agencies and hopefully expedite the process of removing the inquiries. They said they could not furnish me with a letter. The same situation exists with XXXX XXXX. I contacted XXXX XXXX XXXX  and they stated that they have no record of me applying for any of their credit products however, a hard inquiry is present on all three reporting agencies. They too said they could not furnish me a letter since I don't have an account and have never applied for one. I have contacted each of the consumer credit reporting agencies multiple times by phone as well as sent letters via USPS and via fax ; disputing the validity of these hard inquiries. In addition, I initiated an internal online XXXX dispute dated XXXX Confirmation number : XXXX which resulted in XXXX " verifying '' the inquiries except for the XXXX ( XXXX ). The XXXX inquiries were removed from XXXX. XXXX also put a fraud notice on my account and mailed me a notice of such as well as informing the other reporting agencies about the fraud notice. I'd like to know how XXXX can verify some accounts and not the others. Such as the XXXX XXXX bank which admits they don't even have an application or account on file but XXXX and the others " verify '' the inquiry. I have demanded that each consumer credit reporting agency give me PROOF of their so called " verification '' and not one has ever done that or even responded to my letters. 

I have also sent letters via USPS directly to the creditors demanding that they take action to correct the problem or be subject to legal action.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (VA)

My load was sold to CMC Funding ( XXXX ) XXXXThey keep delaying my loan payments so I pay fees on my mortgage loan. I talked to many people there and all they say is " not in out system yet, it will be mailed next week '' my payment is due soon and they still are not providing any information on how to make my payments..
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (KY)

I have been trying to redeem my credit card rewards for over two weeks now. I am trying to redeem for an XXXX gift card. However, the website will not let me do so. I have spoken to multiple individuals about this issue both at Comenity Bank and at XXXX. No one at Comenity Bank has been able to assist me with this issue.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (NJ)

I XXXX XXXX paid off the mortgage account, and it's still show late payments not consistent with the other bureaus. The status of accounts has not been up dated to show correct information. It is illegal to show late payments on a consumer credit plan as late for any reason. The accounts are still not showing paid as agreed. Not to show paid as agreed with late status, is illegal under the fair credit reporting act. In accordance with statue 15 usc 1681 section 8602, I have a right to privacy. I gave XXXX XXXX XXXXXXXX XXXX a chance to do the right thing. Please delete the account.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (TX)

i open an account at XXXX XXXX they are with TD bank, my identity social security was compromised and someone charged on XX/XX/2022 an amount of {$3700.00} i called the credit card and dispute the charge but they want me to paid for something i dont charged. also someone at store stole my social and open accounts in my name, they should investigate more to see who its doing this to me and protect me.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Consumer complaint received 2024-09-03
Product: Credit reporting 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 was shocking to discover inaccurate accounts on my credit report this evening. I have no idea how this happened. I check my credit report regularly, and suddenly, there were discrepancies that Ive never seen before. I tried refreshing my browser to see if it was an error, but the incorrect accounts stayed on my report. Im really concerned and ask that my documents be carefully reviewed so I can stop worrying about this.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2015-05-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bliksum, LLC (CA)

I took out a loan of {$3100.00} from Loan Me. Everything was fully explained to me and the loan was funded on XXXX XXXX. I later that day called Loan Me customer service. I just wanted to receive my account number. I was told that they wanted to give me a welcome call for being a new customer. I informed the customer service person I was in a hurry and just wanted my new Loan Me account number so I could electronically submit my own loan payments. I was told they needed to re verify all of my personal information first to validate it was indeed me calling. I was good with all questions asked until they asked me to say out loud my whole social security number. My other financial institutions never ask over the phone my entire social security number but instead ask for the last XXXX digits. I believe this practice of asking some one to repeat their entire social security number over the phone is in violation of my rights as a consumer and can lead to identy theft. I provided my entire number online with their application which I have no problem with. They could easily verify my identity using the last XXXX digits of my social security number or another validating security question. The person I spoke with after I was validated as the borrower proceeded to tell me they would not give me my account number until I listened to their welcome call monologue. I reapedately asked just for my account number to no avail. I asked to speak to a supervisor and was placed on hold and then disconnected. I called back to receive the same validating questions and again was asked to say my entire phone number. This time the person did provide my account number when I asked but also proceeded to insist I listen to their new customer welcome call. I reluctely listen to what was Loan me ' s welcome call for me being a new member. This welcome call is nothing to do with verifying the borrower but has everything to do with loan me ' s attempt to get my permission to be contacted at work. Please have them stop the practice of having to repeat my entire social security number over the phone. Thank you. 
Respectfully, XXXX XXXX XXXX XXXX XXXX # XXXX, CA XXXXXXXXXXXX XXXX of SS # XXXXMore than enough validation provided. 

You may publish everything but my personal information.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX : citi advises me via text and email there may be a fraudulent charge attempted. I call and it is for a furniture store. They say it is through a virtual card number ending in XXXX. They tell me No need to do anything because is it is a virtual card number and they declined, no need to replace physical card. 
XXXX I call several times advising citi there are more charges on the XXXX card number They tell me they can not see them and can not access my virtual card number transactions, they guide me through how to turn card off. It wont work. Screen shots below. I am transferred back and forth between tech support, fraud dept but nobody can seee these charges that I am telling them are not mine. 
XXXX. XX/XX/XXXX. XXXX XXXX, I have never been on XXXX so this cant be mine. Still outstanding XXXX. XX/XX/XXXX XXXX  XXXX. {$250.00}. After citi denied my dispute and said I have to pay called, they told me this restaurant has been out of business for a year. And they only have locations in XXXX XXXX. I am in XXXX. Still outstanding XXXX. XX/XX/XXXX : XXXX XXXX  XXXX  XXXX {$960.00}. After citi denied my dispute and said I have to pay called, they told me the order had been voided in their end because they suspected fraud. They refunded the {$960.00}. They are also only in the XXXX and the order was to deliver to XXXXXXXX XXXX Resolved by me. 
XXXX. {$40.00} XXXX XXXX XXXX XXXX. This is in XXXX. I live in XXXX. Denied by citi, but still outs XXXX {$270.00} XXXX XXXX XXXX I called the spa while the day rhe charge was pending. They ended up refunding.. also in the XXXX  area, nowhere near XXXX. 

I have been through every department citi can offer. I have answered their questions and asked to have it reviewed on XX/XX/XXXX. Nothing had happened. I even reached out via XXXX messenger during all of this. Nothing happened. I literally do not know what else to do. I just want the charges removed. I have spent XXXX hours dealing with this and they record all their calls and have notes in system about what happened with nobody being able to shut down this virtual CC number even though I called to report charges as they were happening. Please help.
Consumer complaint received 2023-02-21
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)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-21
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. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2023-02-21
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)

Greeting 's Consumer Financial Protection Bureau, I'm entering this complain against Experian ( Credit Bureau ) I've placed Disputes with disputes with Experian on XXXX All Mailed to Experian XX/XX/2022 ( Completed Online ) Per Experian, I needed to mail along with My Disputes a copy of My drivers License, Social Security Card and proof of address for verify my Identity, I've completed this step several times, I have not received any results or responses to the disputes or verification of the debt belonging to me.