davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (TX)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC (PA)

I have been working with Quicken Loans regarding a modification of my first mortgage for the last 3 months. I provided them with ALL of the information they requested in their 'Application for Success ' modification program. After receipt of my information they asked for additional information which was part of the original information I submitted. Nevertheless, I supplied the same information again. Two weeks later, they requested the same information again ( I have copies of their requests ) of which I submitted again. Becoming very concerned, I was finally able to speak to a supervisor responsible for handling 'complaint escalation '. Only after this discussion was I informed that my application package was complete and that " Underwriting had everything they require ''. That was 6 weeks ago and every other day when I call, I'm told that it's with underwriting. When I request to speak to an underwriter, they're unavailable. 

I need help!
Consumer complaint received 2023-10-19
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. (FL)

XXXX, XXXX and trans union stole my identity according to USC 15 1681 they release 22 inquiries without consumer permission to a obvious third party it has reflected on consumer credit score and personal and private identity information. Three agencies above mentioned has an elaborate mechanism and vital to consumers personal identity identification. Consumer protection of identity has been compromised and sold to third party by all three agencies. Consumer was not included in the profit made by agencies. Agencies above mentioned has no regards of the laws that govern the consumer.
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023, a scammer contacted me posing as a Fraud agent from Wells Fargo. At first I received a text message, telling me I had a XXXX charge, if I didn't authorize to respond yes or no. I replied no. And immediately I received a call from what I thought was Wells Fargo, the number appeared as Wells Fargo in my phone. I talked to what I thought was an agent. From there, I was decieved. Next thing you know I realized it was fishy, I called the bank after XXXX had been taken from my account. Through XXXX scam. I called wells Fargo and they open a claim only to tell me I authorized the payment and was not going to get my money back. 

I have several witnesses that also believe it was a three way transfer. The person posed as XXXX XXXX.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, 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. (TN)

XXXX XXXX XXXX has reported an account from XXXX which I have no knowledge of, and which has previously been removed because they fail to provide the opportunity to dispute and failed to provide documentation that this a valid debit belonging to me. This account is being reported again without the company complying with federal law and giving me the opportunity to dispute or providing documentation it's a valid debt.
Consumer complaint received 2023-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I am a former Wells Fargo Home Mortgage XXXX customer who lost my house XX/XX/XXXX after battling with them for over 4 years to work out some sort of arrangement to keep my home. I became XXXX late XXXX XXXX and my finances suffered greatly. Fortunately, I was approved for Social Security Disability Income the first time I applied. Still, it took time for me to start receiving benefits. Meanwhile, my debts were spiraling out of control. I even filed for bankruptcy as a measure to buy time to work something out with Wells Fargo. I applied for loan modifications, I asked if the past due amount could be put on the backend of the loan to allow me to resume payments to get and stay current. My house was put up for foreclosure at least twice. Finally, late XXXX it was about to be put into foreclosure again. All during this time my health exponentially got worse. I decided my health was more important than the home I owned for XXXX years. I quickly put my house up for sale barely meeting the timeframe to avoid foreclosure. I sold the home at a loss. I owed more than the home was worth. I was traumatized by Wells Fargo. They should be ashamed of themselves for not working with customers like me who through no fault of my own got behind in my mortgage because I became so sick that the US government found me to be XXXX. To date, I have not been able to return to work. I still receive SSDI. I am entitled to be generously compensated for the anguish, loss of my home, the resources I paid to keep my home. 

The property address in question is XXXX XXXX XXXX XXXX XXXX, VA XXXX The loan number was XXXX. 

Please help me to get compensated.
Consumer complaint received 2020-04-15
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I began refinancing an existing loan with PennyMac in XX/XX/XXXX. We closed on the refinance on XX/XX/XXXX. As a part of the refinance agreement, I was not required to make a payment on my new loan until XX/XX/XXXX. However, shortly after closing, I received a notification from PennyMac that my XXXX payment was late. I contacted PennyMac to get clarification about the notice and was informed that the notification was sent before the closing and that I was not required to make any payment until XXXX, as previously stated. On XX/XX/XXXX, I received a notification from my credit monitoring service indicating that a late payment had been reported against my credit by PennyMac. I reached out to PennyMac to find out the cause of the " late payment ''. After multiple calls over several days and hours spent on the phone, a customer service representative finally discovered the issue. The customer service representative informed me that during the refinance process, someone at PennyMac made a mistake which resulted in the original loan remaining unpaid while a new loan was added to the property. The late payment that was reported against me was for the original loan which should have been paid off by PennyMac during the refinance. PennyMac 's  representative informed me that they would be paying off the original loan, eliminating any fees, mailing me a letter to explain their mistake, and contacting the credit bureaus to correct my credit report. 

I have reached out to PennyMac on an almost weekly basis since XX/XX/XXXX to follow up on their progress with these action items. Each time I have spent an exhausting amount of time explaining the situation to a new customer service representative only to find out that no actions have yet been taken to issue me a letter or correct my credit report. Although the original loan was finally paid off, I have not received a letter from PennyMac and my credit has been negatively impacted for almost 6 weeks now. I filed a formal complaint through PennyMac 's customer service regarding their general lack of urgency and the absence of communication throughout the process, but have still not received any response. 

I have given PennyMac every opportunity to rectify their mistake and I believe I have been relatively patient. But my family and I are in the process of moving to XXXX XXXX and I will not be able to receive a favorable loan for a new property until my credit is restored.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX XXXX stole my identity according to USC 15 1681 they release XXXX inquiries without consumer permission to a obvious third party it has reflected on consumer credit score and personal and private identity information. Three agencies above mentioned has an elaborate mechanism and vital to consumers personal identity identification. Consumer protection of identity has been compromised and sold to third party by all three agencies. Consumer was not included in the profit made by agencies. Agencies above mentioned has no regards of the laws that govern the consumer.
Consumer complaint received 2023-10-19
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. (FL)

Equifax, XXXX and XXXX XXXX stole my identity according to USC 15 1681 they release XXXX inquiries without consumer permission to a obvious third party it has reflected on consumer credit score and personal and private identity information. Three agencies above mentioned has an elaborate mechanism and vital to consumers personal identity identification. Consumer protection of identity has been compromised and sold to third party by all three agencies. Consumer was not included in the profit made by agencies. Agencies above mentioned has no regards of the laws that govern the consumer.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Hello I have a credit card with USAA fsb and it was discharged and closed back in XXXX. I could no longer use the account as it had been charged off. I have been charged interest fees for advances and fees related to purchases since XXXX and have not been able to use the account since XXXX. I called and argued that since the account had been closed and charged off that I should not be charged these additional fees because Im no longer using the account. I dont believe this is the accurate practice for charged off credit cards.
Consumer complaint received 2023-10-19
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. (FL)

Dear Sir/Madam, I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated due to inaccuracies in my credit report maintained by your agency. These inaccuracies stem from a violation of several key provisions of the FCRA, as outlined below : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : A consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report. 

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision. 

Additionally, according to Section 604 of the FCRA ( 15 U.S.C. 1681b ), I have the right to control who has access to my credit information. Credit reporting agencies should have my permission, typically in writing, to collect and share details about my financial accounts. 

I kindly request the removal of the following inaccurate accounts from my credit report : 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 I expect your prompt attention to this matter and request that you investigate these discrepancies immediately. Please provide me with a written response detailing the actions taken to rectify these inaccuracies within 30 days, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue.
Consumer complaint received 2020-04-15
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. (VA)

Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6.  Citizens ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX XXXX 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. XXXX XXXX ( XXXX )
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-19
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. (TN)

XX/XX/, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 

They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2020-04-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MS)

Refinanced my home on XXXX XX/XX/2020 at XXXX. Upon closing it was agreed by XXXX that I did not have to pay until XXXX XXXX. I have an written email from him stating so. At closing, on my paperworks, it was stated that my first payment was XXXX XX/XX/2020. Then on XXXX XXXX, XXXX XXXX did not remove my automatic payment schedule. Taking {$1100.00} from my accoutn. After look at my bank statement, I quickly claeed freedom numerous of times to ask for a reversal. They have given me a run around since XXXX XXXX after I gave them proof with Bank Statement showing the payment cleared. I called again on XX/XX/XXXX and representative asked for my routing and accoutn number to have the payment reversed but it its been days since then. If any monies are taken from account illegally, I will go to court with this. As of XXXX XXXX, I still havent seen my payment but the company decided to place the payment from my old closed accoutn to my new account. Then contineu to charge me proprety taxes after I had given them VA and Tax Collector paperwork showing me as XXXX XXXX XXXX and tax exempt. I sent this in XX/XX/2020. Finally instead of sending my escrow refund back to me, they decided to move MY money to another account. From my closed account where it sat suspended to my new account. After i informed them of the draft and sent paperworks ( bankstatement showing cleared ). I called again on XX/XX/XXXX and still no assistance.
Consumer complaint received 2018-05-11
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: EQUIFAX, INC. (PA)

XXXX XXXX, keeps doing inqiries on my credit report with out my concent the dates are XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I never give my SSN to any company unless it is for a credit apllication. 
So how did they get my SSN?
Consumer complaint received 2023-10-19
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. (IL)

15 U.S.C 1666B States : 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.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-12-07
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2018-05-11
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (LA)

I have told them repeatedly not to call my mothers home since she is not a party to the loan agreement. I have reported them in the past for repeatedly harassing my mother, only for them to say they have no record to the calls. They clearly do and these illegal tactics should be pursued in court. I have meticulously detailed each call and my attorney can provide a record.
Consumer complaint received 2023-08-16
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX