davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (TX)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is in reference to my original complaint from last month. It was only BRIEFLY corrected but now Bank of America is once again reporting a past due payment which is incorrect. This has been goin on since XXXX! I received a message on XXXX, after my original complaint that corrections were made and at that time my account reflected no late payments and now the account has been updated and reflects a {$1500.00} past due amount. This is costing me money as i am unable to refinance due the errors on my account. This has caused great financial & emotional stress in my family and needs to be rectified immediately. Calculations will confirm that a refinance would have saved me almost $ 1000 monthly, since the lenders now request 3 months of statements for heloc accounts showing on time payments i have been unable to proceed with a refinance. I have contact BOA countless times via their online portal and phone. Each time they state that this will be corrected and someone will get back to me, which is not the case. PLEASE HELP as this egregious error is causing mE financial stress and i do not have the time or energy to continue contacting them since they are of no help whatsoever.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

There are currently two XXXX XXXX XXXXXXXX bank loans that are showing on my credit report. These two accounts are fraudulent, we're not open by me. I contacted XXXX XXXX  XXXX with hopes of getting them resolved, they however stated the accounts are " valid '' and did not delete them. XXXX XXXX  XXXX directed me further to contact Experian to resolve the issue. At first, a dispute to remove the accounts were filed through Experian 's on-line website, however their investigation alleged the banks were " valid '' and they did not remove them. Please note, that Experian is the only bureau that shows the accounts - XXXX  or XXXX  show the fraudulent accounts. 

The information below will provide further information on the accounts : XXXX XXXX XXXXXXXX Account : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Balance : {$270.00} XXXX XXXX  XXXX Account : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$4500.00} Balance : {$4100.00} These accounts are fraudulent, we're not open by me and need to be deleted ASAP. 

Also to note, Experian has my date of birth being XXXX, this date is also incorrect.
Consumer complaint received 2021-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

I closed on a VA home loan with XXXX 's XXXX on XX/XX/XXXX. 

I remitted payment in the amount of {$5000.00} over the telephone to XXXX 's XXXX on XX/XX/XXXX. I received receipt of this payment on XX/XX/XXXX. 

On or around XX/XX/XXXX, XXXX XXXX sold servicing of this loan to XXXX, XXXX. 

I was notified of this change from XXXX XXXX in a letter dated/postmarked XX/XX/XXXX and in a separate letter from XXXX dated/postmarked XX/XX/XXXX. I received these letters on XX/XX/XXXX. 

In the letter sent from XXXX XXXX XXXX, it indicates : " XXXX XXXX XXXX XXXX is currently collecting your payments. XXXX XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/XXXX. '' In a phone call with XXXX XXXX from XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX indicated to me that they notified XXXX of payment on XX/XX/XXXX and that the principal balance should be {$5000.00} less. Additionally, XXXX XXXX indicated to me that XXXX would issue me tax form XXXX. 

XXXX has done neither of these things despite repeated and multiple requests to do so. In an email correspondence dated XX/XX/XXXX, XXXX indicated " no payments were received '' and refused to look into the matter. I have communicated with XXXX and XXXX from XXXX who have been unhelpful. XXXX XXXX has indicated that they have sent this XXXX. Where it stands, both companies are saying for me to " talk to the other guy. '' I have done both of these things and I have nothing to do with the matter. It's the two companies not talking to each other in a transaction that I have nothing do with.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-01-21
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. (PA)

I recently checked my credit report and noticed a fraudulent account on my credit report.I reached out to the creditor to request the account to be removed and they have not removed it.This are fraudulent account and needs to be removed immediately.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (IL)

On XX/XX/XXXX Discover states they did a soft pull of my credit and it was determined that my credit was lowered by this pull. Discover brought my card down to maximum utilization without the option to pay off before it destroys my credit score. I have never been late on payments with them and never maximize my credit limit. They states because I had multiple inquiries to purchase a vehicle, which would have been year ago in XXXX. They are hurting consumers during a pandemic. There response is that they are doing it to everyone.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today XX/XX/XXXX I called Trans Union to dispute an inquiry that should not be showing up on my credit report. 

I spoke with 3 representative that talked but then told me they didn't have the power to remove an inquiry. Then I was transfered to a supervision both that ended up telling me they didn't have the authority to remove an inaccurate inquiry. I was given another opportunity to speak with yet another " supervision '' and saw they were just giving me the run around treatment. 

The issues relates to Trans Unions policy of giving a consumer a 14 day window to shop for a car and rack up multiple credit inquiries but then only count all those inquires as just one single inquiry. 

I search for a truck in XXXX of last year and racked up a few inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

All the inquiries from XXXX XXXX  XXXX have been removed and they just show 1 inquiry but for some reason they are still showing the inquiry from XXXX XXXX XXXX XXXX which is who financed my XXXX. 

The problem is that the XXXX XXXX XXXX XXXX XXXX inquiry shows up as a " credit Union '' and not " Auto loan '' as a result their system has not removed this inquiry. 

XXXX XXXX XXXX XXXX date : XXXX XXXX 2020 XXXX XXXX inquiry date : XXXX XXXX 2020 As you can see these two inquiries for an Auto Loan that was ultimately finance by XXXX XXXX falls within the 14 days that Trans Union is supposed to only show one inquiry. 

They asked me to get a letter of deletion from XXXX XXXX when it's not their policy thats the issue rather Trans Union 's policy of counting multiple inquiries for the same auto loan as just one inquiry within a 14 day window. 

It was clear that the agents at Trans Union didn't even understand the policy or the rules of the fair credit reporting act. They have no intent to correct the inaccurate information on consumers credit files as the fair credit reporting act requires them to do ; but instead give consumers the run around transferring them to one " supervision '' after another that doesn't even understand the policy or laws.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (KS)

I applied for COVID 19 relief with US Bank. I was able to make all my payments. AS of today they will not release my mortgage to current status and claim I owe them XXXX. I am current with my payments. I have spoken to 4 different employees and each state that have started the process to end my relief. This stated in XXXX and still ongoing.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, Equifax, and XXXX, and they told me to submit XXXX report which I did. I first submitted XXXX  report back in XXXX of XXXX, and until now, when I submit XXXX report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and the representative told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2021-01-20
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. (CA)

XXXX  and Transunion have been given dispute letters contesting Bankruptcies reporting on to the credit report. 
Transunion/XXXX  are reporting a false address as current address.
Consumer complaint received 2021-01-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (GA)

XXXX XXXX a trustee or attorney in fact is not doing or carrying out the stuff he sign too on the contract which is making me go into debt and make me lose my property, put me in IRS crimaml offense by not pay. Taxes. XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, XXXX XXXX asserted, that XXXX XXXX had the power not him .and XXXX XXXX dies in XXXX ga XXXX XXXX with no power in her house. She was not the trustee .she had nothing too die with no power. I am ask y'all too send XXXX a letter too sign say he had no dealing with the ownership of Mr Cooper group. partnership XXXX XXXX. XXXX XXXX. And make him sign a paper say for me too take over. He don't want too deal with it no way. Mr XXXX. House is appear too be own by Mr Cooper which is own by the old owner XXXX XXXX XXXX deceased. XXXX XXXX XXXX be a direct heir and owner of XXXX and XXXX XXXX and XXXX XXXX group of the old days. Own and co own all of this. Need XXXX too hand over all books and paper work too all of this .abuse is in place. It a pandamic out here .21 years of wait .it too long this stuff .need too be stop thanks. Don't XXXX me for me business thanks.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was promised a mortgage loan from XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX , however, I was asked for total of XXXX in forms of wire transfer and 2 cashiers check. As of today, cashiers check for XXXX has not been cashed, I have gone to 4 different bank of America bank to ask them to please stop payment on this. I even showed them all the documentations that I have filed with The Attorney General office and Better Business Bureau, and I was told they can not do this. XXXX XXXX XXXX XXXX failed to provide me the loan that they promised. Please help me get this money back. I will send all documents to you. thank you.
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

on XX/XX/2020 I sent XXXX USD ( converted to 20 euros ) using XXXX. The receiver account was TransferWise, but since according to their records some data was missing, they refunded the money. ( I have both proof of payment from XXXX and proof of refund from transferwise ). A whole month passed because they kept saying I should wait for 14 business days after the money wasn't there, they will take a lot of time for every response, etc. In the last recent emails, Transferwise says they need an official note from XXXX saying the money isn't there, but they keep asking unrelated questions, saying that the money is not there, asking me to show a proof that TransferWise is requesting this but no matter how many screenshots I send both companies refuse to help me tracking the money. The only intermediate is XXXX XXXX, so if the money is not in either of the companies, it should be there. Bot companies are refusing to help indirectly by asking absurd information.
Consumer complaint received 2021-01-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX with is requested that the FALSE and incopetent claims made by SunTrust Mortgage are addresses. 

Attached is the statement that the mortgage was SOLD to XXXX XXXX in 2006 - that is a fact. Such entity sold the mortgages and notes forward. Suntrust FAILED to make an assignment in 2006 and failed to realease the lien which. 

Further they made various allegations that these were just investors and still held the Mortgage and note etc- Untrue the mortgage and note was purchased by XXXX XXXX. 
These were sold WITHOUT RECOURSE and purchased by another entity. 

Suntrust Mortgage & / SunTrust Bank & /or Truist has no interest in such Mortgage and has not posses a NOTE since 2006. 

The allegation that Suntrust can by law RE-establish a NOTE for a Mortgage that they sold without recourse is ABSURD. 

Further more fradulent Assignments to other entities and to NON existent Trust ad entities and investors which do NOT exist - is FRAUD Requesting a CFPB determination that Suntrust Mortgage can NOT re-stablish the Note on a mortgage which was sold in this case without recourse, which has moved from XXXX XXXX, to XXXX XXXX, to XXXX XXXX and various Trusts. 

The filing of ficticous and SHAME Foreclosure action on behalf of something that doesn't exist - see attached Suntrust would like to re-establish the NOTE - they are NOT the holder of a Mortgage or NOTE
Consumer complaint received 2021-01-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

XXXX XXXX I recieved a call from cardinal financial company XXXX, texas XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX from employee XXXX  XXXX XXXX He called inquiring regarding an application I inquired about for pre approval requirements for home buying. Due to me and my husband taking a first time home buyers course at the time. During the conversation XXXX XXXX ask for me and my husband social security number even though my husband was not near me and due to me being at work at the time. I informed him that I was not comfortable and my husband would need to consent for him to run his credit and that I could not do that. XXXX XXXX informed me that he would not run a credit check due to me calling just inquiring and for him needing permission from my husband and I to complete the application. Instead after the call ended abruptly fast mr XXXX XXXX ran a credit check for myself and my husband using credit plus which he failed to mention. Afterwards I reached out to cardinal financial by phone, email, and customer advocacy and did not recieve a response and still have not recieved one to date regarding concerns for my credit and significant other. The only response I recieved was that my application was suppose to be considered not complete and they have no information but there information is wrongly on my credit and has affected my credit score. We are looking into pushing forward with lawsuit for XXXX and breach of consumer 's act or willing to settle in mediation.