davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks Inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MO)

I applied for a refinance through Quicken Loans. I provided all the documents requested by their initial loan originator. They pulled my credit, received my XXXX and last two years XXXX and recent paycheck studs and I met their requirements to complete an application. They asked me to pay {$400.00} up front for the appraisal. I did. They locked me in with an agreed upon interest rate. I went through the entire process and was about to close when they decided that they were not comfortable my current job status as an contract engineer and at that time wanted to see that my contract would not end for another 3 years, even though I was a XXXX employee and provided that information upfront. I want my {$400.00} refunded.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Credit inquieries that I did not authorized : 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 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 2024-09-12
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. (AL)

Transunion has no proof meaning wet signature that Im responsible for this auto loan showing on my credit report called XXXX XXXX XXXX therefore it needs to be removed immediately according to the Fair credit reporting act ( FCRA )
Consumer complaint received 2024-09-12
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. (GA)

I noticed that certain items are incorrect and need to be updated or deleted. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX  XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. 

XXXX XXXX XXXXXXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX  XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX Balanced $ XXXXThis account is reporting inaccurately please remove the late payment.. 

XXXX XXXX XXXXXXXX Balanced {$0.00} This account is inaccurate please delete. 
XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-08-20
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC (TX)

Due to Clovid-19, we are having difficulty paying our mortgage. I called our loan company, XXXX to refinance. I was advised on both my husband & I need to get some debts taken care of. I can't pay the debts as I'm having difficulty paying my mortgage. A loan processor @ XXXX said if I get a letter from the credit company 's saying " If I pay debt in full, it will be taken off my credit report. XXXX XXXX on my husbands credit report sent me a letter saying this. My debt company M.S. Services, L.L.C. will not give me such letter as they say, " due to their contract with XXXX XXXX XXXX XXXX, it will stay on my credit report as PAID IN FULL ''. My debt was {$150.00} and I paid it in full on XXXX XXXX. They still will not give me such letter. I have called M.S. Services MANY time and have asked for a supervisor. They have been in meetings and have NEVER returned my call. I called the bank where I was delinquent and was transferred to many departments and on hold ALL morning. I have asked for their collections dept. and no one can find any debt sent out. I asked for manager and had to leave message. NO return calls.

Please please please help me remove this debt from my credit report.

Thank you I can not refinance my AmeriHome loan because I need a letter from M. S. Services, L.L.C. saying " If I pay this debt in full it will, it will NOT be reported to the credit company 's.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to file a complaint against Equifax, XXXX, and XXXX for their ongoing failure to correct inaccurate and fraudulent information on my credit reports. Despite my multiple attempts to resolve these issues, including providing all necessary documentation and clearly outlining the inaccuracies, the credit bureaus have ignored all of my correspondence. This negligence has resulted in several violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681s-2 ( a ) ( 1 ), 1681c ( a ) ( 4 ), and 609. The credit bureaus have failed to maintain accurate information, reported incorrect account statuses, neglected to mark the accounts as disputed despite my multiple disputes, and have not verified or corrected the disputed information as required. Their actions have caused significant harm to my creditworthiness and financial well-being. I request the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation, ensure the immediate removal of all erroneous information or mark these accounts as disputed until verified, and provide me with updated copies of my credit reports reflecting these changes.
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

Received a phone call back in XX/XX/XXXX regarding a past due debt to XXXX. They last time I had XXXX cable was in XX/XX/XXXX in a rental home in XXXX, FL. I turned in the equipment in person at the XXXX, FL office. Cable services are billed a month in advance. I did not have a balance due when I returned the equipment. 

My phone number had been the same that this so called collection agency contacts me at claiming I owe a bill and I need to make a payment. I pay my bills and everyone knows cable bills get billed a month in advance. I turned in the equipment at my local office and provided a forwarding address. 

I hear nothing for in almost 2 years, from XX/XX/XXXX until XX/XX/XXXX ... this would make any question the call ... .they 're demanding payment. So I rightfully request a bill be sent to me so I can even see if this is something that is even owed. I receive nothing in the mail and then it appears on my credit report. I took their call, I politely requested a bill and one was not sent and then within days a collection shows on my Credit report. This is equal to a hostile move and highly unethical.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/24 Re : XXXX XXXX Account To whom it may concern, I am writing in response to your recent communication dated XX/XX/24 regarding the validation of the debt related to the repossession of my XXXX XXXX. While I acknowledge your response, I am still disputing the validity of the debt and require further clarification on the following points : 1. Proof of Sale and Deficiency Balance : Please provide documentation of the sale of the repossessed vehicle, including the date, time, and location of the sale. Additionally, I request a detailed breakdown of how the deficiency balance was calculated after the sale, including all fees, charges, and any proceeds from the sale that were applied to the balance.

2. Proof of Proper Notice : Please provide evidence that I was properly notified of my right to redeem the vehicle before the repossession and proof that I was given proper notice of the sale in compliance with state and federal law.

3. Chain of Custody : I request documentation proving that the repossession and sale were conducted by authorized parties, including the name and contact information of the repossession agency and any third parties involved in the sale.

4. Contract and Payment History : Please provide a copy of the original loan or lease agreement that I signed, as well as a complete payment history, including all payments made, interest, fees, and penalties that led to the repossession.

5. Compliance with State Laws : Please provide evidence that the repossession was conducted in accordance with the repossession laws in GA. This should include proof that the repossession agent followed the legal requirements for repossessing the vehicle.

Also, please include : Proof of how the deficiency balance was calculated after the sale of the repossessed vehicle.

Evidence that the repossession and sale were legally conducted and that you were properly notified.

Copies of your original contract and payment history.

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am entitled to receive clear and accurate validation of the debt. If the debt remains in dispute, I request that you cease any further collection activities, including reporting to credit bureaus, until all requested documentation is provided and reviewed.

Please respond to my request within 30 days of receipt of this letter. Failure to do so will be considered a violation of my rights under the FDCPA, and I will take appropriate legal action. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I contacted Amerisave Mortgage and spoke to XXXX XXXX, one of their loan officers. I told XXXX that I was turned down for a mortgage loan last summer. I told him I found another property and that I am looking into finance. I specifically told him that I need him to prequalify me before incurring any expenses. He asked me a good number of questions about my income, assets and liabilities. I answered him truthfully. He assured me then that he sees no problem in me getting the loan. He said he will email me a pro-approval letter to give to Seller, and proceeded to ask me for my credit card in order to obtain an appraisal. I am not sure as whether he asked for my credit card info during our first conversation or at a later time. 
After a month of dealing with loan processor, my loan was declined because my loan to income ration was XXXX and not XXXX I told XXXX XXXX as well as Amerisave Customer Relations that due care was absent dealing with me, that the loan officer should have had doubt about my qualifying in view of prior rejection, and should have been more thorough before costing me money. I asked for {$940.00} in expense reimbursement, but Amerisave declined taking any responsibility. 
PS : I asked Customer Relations to look over the recorded information between me and the loan officer. Customer Relations replied the tape was erased.
Consumer complaint received 2016-05-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

I was in the process of closing in my home, however somewhere in the process either my email or my agents email or even bith were hacked and I got email from the hackers pretending to be my agent and she kep receiving email from me ( neither one of us where actually sending the emails ). I received an email with instructions to wire transfer XXXX USD to an account at the XXXX XXXX Bank in XXXX, XXXX We did not realize what had happened until the closing day which was 5 day after the transfer had happened.
Consumer complaint received 2020-08-16
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. (FL)

On XXXX XXXX Experian received a certified mail letter requesting investigation of a dispute of inaccurate account information with my XXXX XXXX account. I sent them account information from my credit report from all three credit reporting agencies showing that XXXX has reported vastly different info to all 3. The discrepancies range from inaccurate credit limit, high balance, date of last activity and date of last payment. Experian failed to verify this info. They also refuse to provide the method of verification as requested multiple times.
Consumer complaint received 2024-09-12
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (MI)

This is the letter I sent to Costco : I am a happy, loyal Costco member. At least I have been until now. I have always had my credit card set up to pay my balance automatically in full each month. With the transition to Citi, I got my first bill and I was charged {$36.00} in interest. When I called they explained that the balance " did n't transfer properly. '' They agreed to credit my account for the {$36.00}, but advised me to pay it since the credit would n't appear until my next statement. Except for the waste of my time, that 's all fine. 

But I do n't believe the explanation. Many smart people worked on that transition for a long time. If your members were charged interest they did n't owe, I suspect it is because Citi saw the transition as a way to steal a lot of money. Many customers will notice the improper charge and complain, and Citi will give them a credit. But many customers will not notice or will not follow up, and Citi will charge them the interest, and interest on the interest. This is the way Citi does business. It is not at all surprising. Someone probably got a big bonus for thinking of it. 

What is surprising, at least in my experience, is that this is not the way Costco does business. So my question is : What are you going to do about it? 
This is their response : We apologize for any frustration this may have caused. We thank you for sharing your comments and concerns with us regarding our transition to XXXX. Please be assured that our transition to XXXX is part of our continuing commitment to provide our members with the best value possible. 

Your feedback is important to us. We will forward your concerns to the appropriate department for review.
Consumer complaint received 2016-02-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (CA)

For the second time my loan servicer, Amerihome Mortgage has failed to make payment of my property taxes in a timely manner. I do not believe they have made an on time payment for my home insurance either. We have only had our loan for 11mos. They have an impound account on our behalf for this purpose.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.