davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (AL)

I reached out to National Credit Adjuster about an collection that I'm not aware of. I sent disputes out on XX/XX/2021 and XX/XX/2021 and still haven't received any information. The collection is reporting on my credit report and now its reporting late every month.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (UT)

I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Then below CLOSED personal loans do not accurately show account info such as original loan amount, monthly payment & more importantly, payment history for correct timeframe My credit factors states I have new accounts because these old accounts payment history is inaccurate/ommitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; US DEPT OF ED/XXXX XXXXXXXX ... XXXX 
{$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$2200.00} ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ... . Balance XXXX {$670.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXX XXXXXXXX Balance : - ; 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 XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-01-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Had a death in my family ( son ), my husband could not deal with that PLUS both mine and our other son 's XXXX so he filed for divorce. He left the house and I did n't know his whereabouts. The mortgage was deducted from his paycheck, he had all he mail forwarded.I did n't know that he had stopped paying the mortgage until I received notice that house was being foreclosed on. I tried everything in my power to get a loan modification but was turned down " for all their programs ''.
Consumer complaint received 2019-12-04
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023, I sent a certified letter to Transunion via XXXX ( Tracking # XXXX ). The letter was received on XX/XX/2023 per XXXX. The letter is attached. In the letter, I inquired about unauthorized hard inquiries to my report. The letter included all of my identifying information, as well as the specific hard inquiries in question. The letter cited section 609 of the Fair Credit Reporting Act, requesting all documentation and information in my file of the time of the request and the source of the information around the inquiries I asked about. The inquiries do not have permissible purpose, nor did I authorize the inquiries. 
Additionally, the letter requested that, if TransUnion was unable to provide the documentation regarding the inquiries, TransUnion should remove the inquiries from my report. 
On XX/XX/2023, TransUnion sent a letter back that stated " An inquiry is posted on your TransUnion credit report to notify you that a company has received your credit information from TransUnion. Companies can only obtain such a credit report for a legitimate reason ( referred to as a " permissible purpose '' ) ... If you have specific information that the inquiry ... does not relate to you, you can also call us at XXXX. '' This letter did not contain any accompanying information regarding the specific inquiries as requested.
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even transunion themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX if I rely on yall to handle my affairs.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax is furnishing reports breaking federal law pursuant to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Reports made by furnisher is illegal and should not be on my credit report of account number XXXX.
Consumer complaint received 2020-02-10
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)

I began loan modification for a first and second mortgage in XX/XX/2019. The first mortgage went without a hitch, the second mortgage took an additional 30 days- I don't know why, and has had numerous issues. I was told to NOT make any mortgage payments while going through loan modification. Although I didn't make a payment on the first mortgage, there are no negative notations in my credit report. Although I began loan modification on the second mortgage, and was told not to make payments- making a payment could nullify loan modification. This message was told to me verbally and on a automated account through XXXX XXXX. My credit score was over 800 and I had no late payments anywhere on my credit report when I began modification. My credit report now shows that I was 30 days late, and 90 days late- not 60 days late which I find interesting. I am a rule follower. I provided information when asked, made payments as stipulated in my loan modification agreement, and didn't make payments when directed not to, and yet, my credit score is more than 150 points lower than it was before modification. Yes, I realize going through modification can affect my credit score- but I must say, the first mortgage loan modification hasn't affected my credit score. Also, although XXXX confirmed that I had asked to have my account evaluated in XX/XX/XXXX,  I wasn't notified or updated about the process. I had to call today, XX/XX/XXXX to mind out the progress. What happened to 30 days? Although XXXX claims the evaluated my account twice, it was abundantly clear during my two hour phone conversation today, that neither my complaint filed through TransUnion or the complaint I filed directly with XXXX in XX/XX/XXXX was looked at by anyone.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Performant Financial Corporation (CO)

The XXXX XXXX XXXX XXXX company called to harass me about this student loan that was already been XXXX by the federal Government XXXX XXXX ) 2 years ago. due to my permanent XXXX they have XXXX my XXXX XXXX XXXX completely.. XXXX XXXX XXXX claims their client was XXXX XXXX XXXX. I explained to them that the loans were XXXX and sent them proof of it, and they still insist that the debt exists. This happens every 2 years and It is all phoney. This is the second time this company has come around with the same debt that does not exist.!
Consumer complaint received 2022-11-22
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these accounts XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$31000.00} ; XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ;
Consumer complaint received 2018-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (HI)

XXXX denied an IDR application I submitted two times, each time acknowledging they had made an error and promising to submit it correctly. 

XX/XX/XXXX Submitted IDR application. 

XX/XX/XXXX XXXX XXXX XXXX believes the XX/XX/XXXX letter in the mail was sent in error and I do not need to re-certify by XX/XX/XXXX, which is why my IDR application was denied. 

XXXX put me on hold and discovered that because I had changed my due date in the summer of XX/XX/XXXX, I am still due for recertify. She stated she will submit for review and the person who had processed my IDR saw the wrong date so denied my IDR application. When I changed my due date in the summer, I still had 6 months of the 12 months which would be now. She will submit the application for review again. 

About a 30 min. phone call. 

XX/XX/XXXX XXXX - sending me to a specialist, I waited 10 mins to speak and I will have to wait another 5-10 minutes. 

XXXX-I had to ask for her employer id. 
Placed me on hold for more than XXXX minutes. 

The second IDR request submitted for review was denied because the person assumed that I was doing it too early ( Similiar to the first denial ). She had someone come and look who processes IDR application since she does not. They will try to process it by the end of the business day today. 

Again, a phone call of at least 30 mins.

XX/XX/XXXX XXXX Called to follow-up on my application status since they stated it would be processed on XX/XX/XXXX. He noted it shows an expedited app. process on XX/XX/XXXX He is going to one of the processors to see where it is on the cue. He stated it will take 3 days, maybe up until next week due to the snow storm. 


XX/XX/XXXX XXXX - I called because my IDR application should have been approved, not denied, again. She said it was not her department. I said I wanted to file a complaint and she said she would transfer me. 

Did not get this employer ID #. 
She apologized for my application being wrongly denied. She stated she will personally have it done by today and by Weds. morning I should have something in my inbox. 


The same application I had submitted on XX/XX/XXXX was finally processed.
Consumer complaint received 2017-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (NV)

Halsted Financial Services, a debt collection agency based in XXXX, Illinois has repeatedly calling me regarding a debt I apparently owe. However they would not provide me information about the account since I would not provide them with my full Social Security number. They have called me twice on Saturday XXXX XXXX, XXXX using two different phone numbers, XXXX ( XXXX is the time of call XXXX and XXXX ( XXXX is the time of call ). 
The debt collector I have spoken with is named XXXX. He has said my name and the last XXXX digits of my Social Security number but I did not provide him that information because I do not know who he was or that of his company. XXXX also refuse to provide me with the account after I told him that I was sending his company a cease and desist letter in the mail. 
I want to seriously file a complaint with this collection agency because I have done it before with them early this year due to the excessive phone calls and harassment.
Consumer complaint received 2023-09-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (VA)

I am writing to file a formal complaint against Chase Mortgage regarding their refusal to provide manual underwriting for FHA mortgage loans, specifically under the bankruptcy rule of less than 2 years but greater than 1 year. Despite my eligibility under the Federal Housing Administration ( FHA ) guidelines, Chase Mortgage has stated that they do not offer manual underwriting for such cases. 

As a responsible borrower who has taken necessary steps to recover financially after a bankruptcy, I have relied on the FHA 's favorable guidelines to secure a mortgage loan. According to FHA guidelines, borrowers who have experienced a bankruptcy but have demonstrated financial responsibility for at least one year after the bankruptcy discharge should be eligible for manual underwriting. This provision allows borrowers to present their case for loan approval based on their current financial standing, rather than solely relying on their credit score or traditional underwriting. 

However, despite meeting the required criteria, Chase Mortgage has refused to consider my application for manual underwriting under this rule. Their refusal indicates a departure from FHA guidelines and shows a lack of commitment to providing fair and inclusive access to mortgage financing. 

I believe that Chase Mortgage 's failure to offer manual underwriting for FHA mortgage loans under this specific bankruptcy provision is discriminatory and may potentially infringe upon the principles of equal opportunity and fair lending. By denying qualified applicants an opportunity to present their case through manual underwriting, Chase Mortgage is hindering their access to homeownership and contributing to further financial exclusion. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Chase Mortgage if found in violation of FHA guidelines or engaging in unfair lending practices. Furthermore, I urge you to ensure that Chase Mortgage reviews its policies and procedures to align with FHA guidelines, guaranteeing fair treatment and equal opportunity for borrowers recovering from bankruptcy. 

If there is any additional information needed to assist with the investigation, I am more than willing to provide any necessary documentation or details to support my case. I trust the Consumer Financial Protection Bureau 's commitment to consumer protection and fair lending and request your prompt attention to this matter. 

Thank you for your attention to this complaint, and I look forward to a resolution that promotes fair lending practices within the mortgage industry.
Consumer complaint received 2022-11-22
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)

Equifax has 2 separate credit reports for me and has interlinked and confused items belonging to me and to my mother with a very similar names. However, my mother passed away last year. It is imperative Equifax immediately corrects this as I have experienced Identity Theft this year with numerous existing accounts and new accounts. 
In addition, the previous company Equifax replied they have no record of fraud alerts Identity theft reports or security freezes on my account. This is a huge error as I have confirmation this was done on XXXX. Equifax has never been able to correctly report any tradelines as their communication between departments is in different languages. This needs to be updated and corrected NOW. 

When I called to confirm the fraud alert and security freeze, she also changed my email address. She had two email addresses so that may be the start of your issue in locating both files. I have attached the email confirmations I received. The fraud alert and freeze confirmation numbers given to me when I placed the alerts on XXXX are # XXXX my email was changed FROM XXXX TO XXXX. This is a massive issue considering you claim no freeze or alert still allowing reporting since XXXX. This needs to be corrected asap with the corrections listed in my previous complaint to the CFPB and the packet I mailed to your fraud department for the XXXX time on XXXX. I have included all Identity Theft affidavits and reports repeatedly supporting these to be removed. On XXXX I confirmed with the Equifax rep, I had extended the fraud alert, and security freeze and she said yes it was placed on XXXX. 

I just logged into the lock and alert feature online and it says credit report frozen. I have attached a screenshot with the status of frozen and user info. I also logged into MYEquifax and printed the screenshot verifying the fraud alert and frozen. My credit file needs to be fixed asap as numerous violations of rules and regulations causing huge issues for me.
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (MA)

https : //www.statecollectionservice.com keeps calling me and texting me about a debt I do not owe. I have no information about the debtor and have requested them to stop by email, and phone conversation. A relative owes the debt and I have no information about the debt, so I can not help. The relative is an adult. They call numerous times a week from virtual phone numbers including : XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Our home mortgage has been underwater since 2008. We 've tried refinancing to be turned down due to not having a special hardship. We 've struggled over the years but this year due to a $ XXXX monthly increase is the hardest. Our home appraised at XXXX according to Wells Fargo. Our mortgage is {$250000.00}. We just want a more reasonable monthly payment but have been turned down several times. Does not matter to the institutions if it 's underwater or not. My husband is XXXX yrs away from retirement. I am on ssn now. We do not want to move at this late in our lives plus we ca n't afford a down payment or qualify for a new loan. Could you help us or guide us to who could. Thank you. XXXX & XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.