davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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. (TX)

I sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Several accounts on my credit report are fraud opened account. Please look at the attached documents. Experian will not remove the fraud accounts even though I have provided proof. Please delete this stuff.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I was 2+ months away from closing on my new home. I wanted to check to make sure the incumbent lender was providing me with the best rates. I searched online and landed on RocketMortgage website. I answered a few questions online and then got a call from XXXX at RocketMortgage. 

I told him that I was shopping for mortgage rates, however I had already selected a mortgage company that was associated with the builder. I told XXXX that besides the interest rate, he would have to overcome a {$2500.00} seller credit. 

The first estimate was better by an eighth of a percent with points paid, however without the seller credit, RocketMortgage wasn't competitive at all. I reject the offer. 

XXXX came back to me a few days latter stating that he got his directors approval for a better estimate. In the estimate had over $ XXXX in " Other credits ''. See attached. 

I told XXXX that I don't understand how his company can provide $ XXXX in credits. He stated that his company will make it back through the life of the loan. He then asked for a {$500.00} dollar deposit to lock me in. 

As we got closer to closing, I asked for the final numbers and the final numbers no longer had the $ XXXX in credits. I later found out the " Other credits '' were not credits from the lender, but estimates for how much of the prorated property tax I would get since I was planning on managing my own escrow. 

I went back to my original mortgage company, however the rates went up and I lost the {$500.00} deposit. 

I asked RocketMortgage for {$1000.00}. {$500.00} for the deposit and {$500.00} for me to buy down points to get me back to XXXX. They refused stating the that " other credits '' were not " lender credits ''. The conversation that I had with XXXX occurred over his office phone and his cell phone.
Consumer complaint received 2021-07-13
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: Experian Information Solutions Inc. (NY)

RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.
Consumer complaint received 2021-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (MD)

The complaint is for both customer service and credit report/reporting issues. 

On XX/XX/XXXX I received an alert from my credit monitoring service that Exeter Financial XXXX  placed an action on my credit reports stating that my account with them is 30 days past due. I definitely was not aware that my account was past due as I have made my payments every as my contract states and have been working very hard to improve my credit worthiness ; this action really set me back. I reached out to Exeter to find out what was going on. The representative reviewed my account, and stated that I had missed my XX/XX/XXXX payment. I was devastated because I am pretty good about paying my bills and if I did miss a payment. I would think someone from the company would have reached out to me regarding this matter. In XX/XX/XXXX, I reached out Exeter to inquire about possibly receiving a payment deferment due to COVID hardship for a decrease in income. Representative never stated that I was behind or I missed any payments. He explained to me that the payment would be put to the end of the loan and my next payment would be XX/XX/XXXX. I repeat not once did the representative state that I was behind because if I was, I would have asked for the deferment as well as what I would need to do to bring my account current and still have a payment due XX/XX/XXXX. After the representative submitting the request, he went over the details of the deferment and stated that once the deferment was approved that my account would be current and next payment of {$780.00} was due on XX/XX/XXXX. I called on XX/XX/XXXX to make sure the deferment was approved and it was. From XXXX on, I made my payments on time. Still on XX/XX/XXXX, I requested a deferment to bring my account current because after calling in on this date and finding out all this information I would have to make 2 payments in order to bring my account current in which I can not afford. The deferment was approved and my account is current as of XX/XX/XXXX.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

Business took payments early creating an overdraft on bank account that until today still trying to make my bank account positive.I know I owe them around {$500.00} which will get paid off as soon as I can..and Please They need to stop harrasing me with 5 phone calls per day and calling my employer Whenever I don't answer my cell phone is because I Can't.. I can not attend collector phone calls while on duty hours which is from XXXX  to XXXX  then go to my second job XXXX  to XXXX .Thank you for you understanding.!
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (CO)

On XX/XX/XXXX, I applied for a line of credit with SOFI. I was denied based on an XXXX  report that showed i had a credit score of XXXX and that there was an open collection on my account. 

I have been tracking my credit score and report for over the past year and I do not have an open collection and my score is over 730. 

I have tried contacting XXXX  to resolve but can not get connected to a person. The phone system keeps me inside a loop no matter what extension I press. I have included a 3 in 1 report i pulled today XX/XX/19 it clearly shows no collections and a credit score above XXXX
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC (IL)

On XX/XX/XXXX my account was charged off and it was also charged off last year in XXXX and also every month of this year. I made payments caught up and was current as of XX/XX/XXXX NationWide CAC LLC never reported my payments to the credit bureau I found out XX/XX/XXXX that they were reported my credit as a charge off and my credit score continuously dropped every month so I stopped paying and now theyre still charging my account as Charge off and saying I owe more than what I owed from the last Payment which was made in XX/XX/XXXX I need help please and thank you.
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Credit Systems International Inc and I requested a validation on the same date. On XX/XX/XXXX as no response had been received and the account continues to reflect on my credit report and does not reflect that the account is being disputed.Based on their failure to validate this account adequately and despite my dispute, this account is still reflected on my credit profile and continues to negatively affect me.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

Fidelity/XXXX XXXX closed my account without notice or communication back in XX/XX/2018. I never received anything! I called the company to try and find out why all of a sudden my card didn't work to find out my account was closed. They refused to give me any sort of explanation or further information. They " re-sent '' a letter ( that I had never received ) backdated XX/XX/XXXX on XX/XX/XXXX, again with no explanation as to why the account was closed other than " in accordance with the terms of your Cardholder Agreement ''. To the best of my knowledge I never violated any terms ; my account was always in good- standing and my card was paid in-full every month and never had an outstanding balance. Fidelity refused to re-open the account or give further information.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

In the spring of XXXX my wife opened a credit card account with American Express through the XXXX XXXX program and ordered an additional card for myself. Both cards arrived but a week or so later I received a letter from AMEX stating that my card was cancelled because I had filed Bankruptcy against their company. I though this was a mistake so I called them to find out that this was not a joke but they were serious. Yes it's true I filed bankruptcy and disbursed an AMEX card but that was in XXXX, more than 15 years ago. If I am not mistaken under bankruptcy law the creditors can not hold a bankruptcy against me after 10 years? I have many credit cards now because my FICA score is XXXX and I just bought a car. The credit card number of the AMEX card that was cancelled is as follows XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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
Consumer complaint received 2023-11-20
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. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( no account number is presented on credit report ), has violated my rights by reporting its fraudulent, identity theft, debt buying account to XXXX credit bureau in an effort to knowingly collect a debt it is not owed. XXXX is reporting an open account to XXXX damaging my credit and my reputation as a consumer. I have no open accounts with XXXX, nor have I ever done business with XXXX, which is why its does not report an account number. I have disputed this fraudulent identity theft account before in an effort too permanently remove it from my credit bureau report. When I dispute, it is removed and then put back on my credit report again. I have requested a copy of the original credit application with my signature showing I opened any such account, as of yet, I have not been provided a credit application with my signature and/or a response to my request for said original credit application. XXXX XXXX XXXX, has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX XXXX, has violated my rights by continuously reporting an inaccurate collection account to credit bureaus. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-11-20
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-27
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: U.S. BANCORP (CT)

In Accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX and US BANK Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Again, these accounts have violated these above rights
Consumer complaint received 2019-01-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I have been having issues with completing the short sale process for my property to relieve myself from the debt and settle what i owe with the lender Specialized Loan Servicing. I followed all their guidelines and steps involving the short sale process and had the auction of my home delayed in order to ensure that i would be able to complete a short sale and get my life back on track. With the help of my realtor we got a buyer to put an offer in which we submitted to them. Around the end of XX/XX/XXXX they agreed to review my short sale and sent out an appraiser to get the value of the house. Their value came back higher than our buyers offer of XXXX. Despite their lower value, they told us they were looking to get XXXX. We immediately went back on the market to look for that value. We were able to get the original buyer to come up to meet their counter, and when we did they refused to review it as they had set an auction date and claimed we did not have enough time to submit it for a review. They claimed they had issues getting into the property a second time which caused some delays in them getting another value, but we never received a call from any appraiser. They finally sent someone on XX/XX/XXXX and my realtor had to meet them out there to make sure they would get in. At this point another auction date was scheduled for XX/XX/XXXX so we were still on a time crunch. They got their value back at the same as it was previously XX/XX/XXXX and asked us to wait til after the holidays for an approval. After the holidays we were told that they were looking to NET XXXX even though their valuation of the property came back at XXXX and said their investor would no longer look at a short sale. I have put a lot of effort into this short sale only for it to be shut down because SLS 's negligence and inability to follow through with the process. Their inconsistency leads me to believe that they never actually entertained our offer, and put us through this process for no reason.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a Bank of America Visa Reward Card from XXXX for {$5.00}. I went to use it and the people at XXXX told me it had expired 5 days earlier. I called the number on the back of the card and Bank of America told me the card had expired. I asked them to reactivate it and they said it would be easier to mail it to me if I liked. I said great and was very happy that it would be so easy to fix. I waited 8 weeks and no check so I called Bank of America again. They said the account was closed. I said yes but I never got my {$5.00}. They said yes we charge {$5.00} to send the check. I said, the first time I called the lady didn't say there would be any charge or I would have had her reactivate the card to get the {$5.00}. I spent 20 minutes on the phone with Bank of America and all they told me was cut up the card. I asked if it had {$5.00} they would send me a penny? She said yes. I asked if it had {$4.00} on it I would owe them a dollar. She didn't know what to say. I feel like Bank of America is stealing small account amounts and should be held to account for it.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (NY)

In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (OR)

I made a clerical error which left me with a payment slightly short. An agent called me to let me know I was showing a past due balance and to avoid a 30 day late, I could pay over the phone. I did so and then the company reported it anyway. I have called numerous times, filed disputes but to no avail.
Consumer complaint received 2021-01-13
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XX/XX/XXXX INQUIRIES XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Above information is being reported by Equifax.