davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
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. (TX)

To avoid any unnecessary delay tactics from Transunion, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Transunion believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Transunion is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Transunion credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Transunion accountable and not let them delay solving the real issue here.
Consumer complaint received 2020-08-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (GA)

While trying to obtain a loan for a new mobile home park model I was pushed by the manufacture to do business with Triad Financial Services. I used the apply on line feature on the Triad website and had a Credit Approval-with pending conditions. The list of pending documents needed to complete the process was listed on the Credit Approval. I made copies of the requested documents and sent via email to the underwriter, XXXX XXXX. The email was sent on XX/XX/2020 @ XXXX. I tried to follow up with XXXX, however the direct line to XXXX went to another employee 's voicemail box and no other option was offered. XXXX XXXX was the customer rep and the only person I had contact with at Triad, two short phone calls. I tried to contact XXXX to make sure the documents arrived and were acceptable but I could only get her voicemail. I had one email response by XXXX telling me I would know something in 24-48hrs. During the same time I sent emails to ask questions about the loan and what Triad procedures are for items like escrow accounts and taxes. I never received a response. After consideration of Triad 's behavior and the Manufacture 's behavior I decided it was in my best interest to cancel the build and loan. I sent an official cancellation notice letter to all parties involved. This letter was emailed XX/XX/2020 @ XXXX. I was sent a denial of credit via the manufacture XXXX. The key factors for denial were listed as : Proportion of loan balances to load amounts is to high, Amount owed on revolving accounts is to high, unable to verify income.

I checked my credit scores before starting this application and the three credit agencies showed that I had NO balance on revolving credit, my credit score was XXXX and the only loan with a balance is a XXXX monthly payment. I have never had a forclosure, late payment or default of any kind. I am a XXXX XXXX XXXX XXXX  with my own company. I sent the requested 1099 and tax returns which prove my more than needed income for a loan of XXXX per month. 

It is my opinion that the very unfavorable denial of my loan was a retaliation done after I had canceled the loan and build, the cancellation letter I sent to Triad and XXXX XXXX XXXX XXXX  giving reason for cancellation as Triad 's failure to respond in a timely manner and XXXX XXXX XXXX   XXXX  using this to push back build and delivery dates. I have the email records shoeing the time lines. As the consumer I felt it was in my best interest to stop the transaction before I could end up in a contract with an aggressive predatory lender that has a long history at the XXXX  for bad customer service. 

I am more than willing to discuss this with anyone involved or government agency.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (NY)

This account is suppose to be removed from my report. You are refusing to do your job under FCRA and failure to comply will result in a lawsuit. I will attach documents to prove I am requesting this matter be fixed quickly. I have enclosed my driver license with my current address, my birth certificate and the letter in reference to said account.
Consumer complaint received 2022-11-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent paperwork to update my credit report information to the correct and updated name, address, SSN, date of birth, and phone number via USPS certified mail on XX/XX/2021. I have still not received or see the updated information on my credit profile.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

On XX/XX/2020 I began an application for a mortgage refinance with XXXX XXXX of PHH Mortgage Co. In order to commit to the application I was required to pay {$750.00} up  front for a home appraisal, which I did. By XX/XX/XXXX, the loan was conditionally approved and a loan processor was assigned, XXXX XXXX. The loan had a rate-lock good until XX/XX/2020. All documents that were requested by the loan processor were supplied in a timely manner. After XXXX months, and the expiration of the rate-lock, I received notification from PHH that the loan was being declined. No reason was given other than " unacceptable property ''. I have made numerous requests by email and phone calls to XXXX XXXX requesting a refund of the appraisal fee, since we had complied with every request to close the loan on time. So far the only reply has been to make an untrue statement about a subordinated lien on the property, which had been cleared by the title company weeks earlier. I feel that my expense for the appraisal should be refunded since the loan was declined through no fault of my own.
Consumer complaint received 2023-07-25
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Credit Card with account # XXXX opened XX/XX/2019 and a balance of {$0.00}. 

This is not my personal account so therefor please remove the account from my credit report asap.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Ever since the data breach in 2017, I have submitted SEVERAL disputes to Equifax for reporting erroneous information on my credit file. Accounts that have been paid and closed still reporting open three months later. Accounts that were in collections that were disputed as not mine and deleted are reported again. Accounts that are showing charged off when they are not but are in fact paid in full. Equifax has even listed my husband 's credit file as MINE and that took an act of congress to get it corrected! I call Equifax every month and no one will help me. There are HUNDREDS of inquiries on my credit file I did not authorize and I submit disputes and Equifax does not remove them. Equifax is THE WORST reporting agency out of the three. Consumers are at their mercy to get report information updated accurately. I submit disputes EVERY month to Equifax and have documentation showing PROOF items are paid in full or deleted but they will not accept them. They keep telling me I have to submit a dispute. Equifax 's mishandling of my credit file has cost me the ability to purchase a home. If a consumer has DOCUMENTED proof of accounts paid in full or items have been disputed with them and deleted, Equifax has a duty to accept these documents and make the corrections accordingly. They NEVER update credit files every month.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc. (TX)

I test drove a XXXX  XXXX  and signed to buy. The next day it would not start. The dealer picked it up. It's been 21 days. I think it may have been in a flood so there are un fixable electric issues
Consumer complaint received 2020-08-17
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$2300.00} DEPTEDXXXX  XXXX {$5200.00} XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXXXXXX {$3500.00} DEPTEDXXXX  XXXX {$4200.00} DEPTEDXXXX   XXXX {$1200.00} DEPTEDXXXX XXXXXXXX {$1000.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$5600.00} DEPTEDXXXX   XXXX {$4400.00} XXXX XXXX {$2600.00} DEPTEDXXXX   XXXX {$4600.00}
Consumer complaint received 2020-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP (MO)

Company keeps putting hard inquiries on my report every month. I have fell under hardship due to pandemic. My last payment was XXXX XXXX. I do owe XXXX out of XXXX loan. I think the constant hard inquiries are uncalled for and illegal. They are purposely ruining peoples credit
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (NY)

I was on forberance dor several years following the information that was given to me by acs and the years in a row i have in total i have 11 late payment when my loan was suppose to be on some sort of forberance. Its has a great impact on my credit report and i cant seem to get it currected.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AR)

I was in need of a balance transfer card for XXXX, found the AMEX everyday card that advertised 0 % APR for 15 months and no balance transfer fee. Sounded great so I tried to apply to see what I was approved for. While I was waiting I read some reviews and found out there was a {$5000.00} balance transfer limit. This was not advertised anywhere and will not work for my purposes! 

Come to find out I was already approved! I had to open and close an account which will hurt my credit I believe. Even though the application was submitted minutes ago they had no ability to cancel it. 

They need to first off advertise they key features of the card better! At the very least they should make a distinction between applying and accepting a card offer!
Consumer complaint received 2015-11-06
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (PA)

I have a rush card and XXXX $ was deducted from my account. I call and never get a answer or I 'm hung up on, I 've even been transferred many times just to be on hold more to be placed on hold more.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2020 I received a telephone call ( on my home phone ) from XXXX, indicating that a fraudulent purchase was made on my XXXX account for an XXXX. I indicated that I did not make any purchase. The person indicated that in order to refund my " purchase '' I would need to give him some information to be sent to the Billing Dept. While on the phone, I looked at my account through my mobile app ( cell phone ) to see if any charges were made. I did not see any and as I was closing my account he started to tell me what to do in my account. He proceeded to say that my account was frozen and he needed me to transfer money in order to get my money back. I immediately closed my account app and told him the information was incorrect. I hung up the phone. 

I called TD bank to ask about any charges and if my account was frozen. I spoke to XXXX who told me my account was fine. I explained to her of some seemingly fraudulent activity and asked if she can put a hold on my account for a charge as explained to me for an XXXX. I asked if a note could be made to link to my account. Worried, I even called back to TD Bank and spoke to XXXX explaining this activity and to note it on the account. Unfortunately, I did not get last names but spoke to 2 representatives about this concern, This man called me back and asked me again to provide him with information and I did not take his call. 
A charge was made to a XXXX account XXXX XXXX, XXXX, for {$500.00}. I did not authorize this charge and my bank has denied my claim. 
I do not use XXXX nor do I have any friends that use it. I do not know a XXXX XXXX. 
The next day XXXX XX/XX/2020 ) I looked in my account app and a charge of {$500.00} was paid to this person in AZ. 
Although I asked for my account to reflect this fraudulent activity my bank did not make any effort to stop this payment. 
On XX/XX/2020 I received a letter from TD Bank denying my claim of fraudulent activity. 
They advised me to file a police report. 
I am reaching out to you because I do not feel protected by my bank as it seems that this incident should raise a red flag because I have never used XXXX and my bank should know this.
Consumer complaint received 2020-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing some items on my credit report consistently for almost a year now and I haven't received any results or response throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2020-08-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (NY)

Every year, the documents this company requires apparently get misplaced by them. For the last 7 or 8  years, they have requested a signed certificate of occupancy or proof of insurance 3 to 7 times per year. Each year, they repeatedly request proof of insurance and proof of real estate tax payment approximately 4 times in a row, despite the fact that I send these proofs each time.I have attempted to send documents by mail, fax, and email. 

In XX/XX/2020, I filled out the certificate of occupancy by hand and mailed it. Weeks later, I was accused of not having sent it. When I offered to send it by email attachment, a XXXX XXXX sent me an email request in XX/XX/2020. I typed into the .pdf of the certificate of occupancy and signed it by hand, then attached it to my return email. On XX/XX/2020, Ms. XXXX called to say that the date had to be handwritten in, not typed. I immediately emailed an attached 2nd copy with the date written in. A couple months after that, Ms. XXXX called to say she did not recognize my signature. It is my signature. She insisted I go to a notary. I explained that I did not want to go to a notary because of the Covid-19 epidemic. 

In XX/XX/2020, a XXXX XXXX from the company called me with the same demand for a signed certificate of occupancy. This time she told me to send a copy of my utilities bill attached to an email instead as proof of my occupancy. I did this promptly. 

Right before leaving for vacation about 3 weeks ago, I received a XXXX from said XXXX XXXX dated XX/XX/2020, demanding that I AGAIN sign the same Certificate of Occupancy. It offered the option of faxing my response but did not provide any fax number. I had to call the company to get that number, and then I faxed the same signed form, again, dated XX/XX/2020. I have uploaded 3 documents that show they received the same information on XX/XX/XXXX and XX/XX/XXXX. But they also demanded the same information 3 more times. 

To me, these constant repeated demands seem like harassment. A few months ago, the company went through bankruptcy. This behavior, demanding the same documents again and again, have increased since then. I live in my home and am never absent from it for more than a a month of two,  during summer. No one else rents it. I feel that I am being harassed in a desperate attempt to foreclose on my property.
Consumer complaint received 2020-08-17
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX {$66000.00} XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX  XXXX {$49000.00} XXXX XXXX XXXX  XXXX {$87000.00} XXXX XXXX XXXXXXXX {$64000.00}
Consumer complaint received 2020-08-17
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$66000.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX  XXXX {$87000.00} XXXX XXXX XXXX {$64000.00}
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (RI)

I noticed in XX/XX/20 while logging into pay my balance on my Victoria secrets credit card that I had 2 {$100.00} e gift card purchases on my account. I immediately called Victorias Secret and they closed my current credit card, issued me a be card and filed a fraud investigation. They sent me a new card and then I received a letter stating that they found no basis to support the fraudulent claim. I am receiving a credit card bill with the {$200.00} fraudulent amount. I have called them and they will not look any further into the situation. I have cancelled my new credit card with them as well as I am not comfortable with the way they handled their investigation. I did not make the purchases of the 2 e gift cards and do not feel I should have to pay for the fraudulent charges. Ive been a credit card customer of theirs for years and have never had any issues with them. Please help
Consumer complaint received 2020-08-17
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. (IL)

TranUnion and XXXX  are fraudulent on my accounts XXXX  XXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXXXXXX XXXX  is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX
Consumer complaint received 2020-08-17
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. (MS)

This is my second attempt to resolve this issue. My name is XXXX XXXX and this complaint is filed by me. Experian will not investigate my claim. They responded by saying it was not me which is an insult to my intelligence and ability to read the FCRA that I used to help me. 

Please remove all late payments from my mortgage account. I account in forbearance and should be reporting late. I have never been late.