davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
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. (MD)

Greetings, I am sending this email in regards to the unfair acts from the credit bureaus ( all three ). I have made several complaints with each bureau, the consumer financial department and FTC. FTC was actually the organization that directed me to put in a complaint here. This is all new to me so please bare with me.

I analyzed and repaired my own credit and was successful enough to get the results I wanted but not fortunate enough to get the score that's earned. I have been working delegently on my credit report for about 3 years now. I understand what was needed to repair my credit and I did so, even if it required me to pay off the debt ; I did what was necessary. 

I was very excited about the process and the possible outcome until I realize that my score hasn't moved much since I started ; That's when the disappointment came. Within 3 years, my score would go up and then drop again. I know you probably believe I am a person that has alot of collections, because I apply for credit and never pay the creditors back. Nope! I can't even get a department store credit card, because I am set back by the credit bureaus. I will need cash for everything and how easy is that to come by living in poverty. And even still, I don't make irrational decisions like that. I've noticed in the past 3 years, the credit bureaus will for example : take my score from 617 to 598 then take it back to 617. It will never move beyond those numbers even with good standing accounts.

Something doesn't seems right. I've open up two secured credit accounts with my bank about 8 monthd ago. Accounts are paid on time and when reported to the credit bureaus, they will not raise my score. I've even opened up an additional secured loan to help me and nothing. My score remains the same which is unfair. I have no delinquents or collections and my credit score looks bad. 

My report doesn't reflect my score and this is holding me back tremendously. All I am asking is that my case can please be heard and reviewed. I did all I can do on my end to better my credit report and I feel stuck in a limbo. I believe there is an error or some type of bias going on, because I can't seem to understand this process and how consumer 's aren't being treated fairly by the credit bureaus. 

This is probably happening to alot of consumers, but noone isn't noticing, so they can't complain. I always observe my report, especially because I'm working on it and I have noticed an unfair pattern that I am very disappointed about. Can someone please assist or point me into the right direction? Thanks in advance. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (OH)

On XX/XX/2021 I reached out to PNC BANK in regards of applying for a consumer credit transaction. At my request, I gave notice to the loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, he stated that my ECOA ( Equal Credit Opportunity Act ) request is being forwarded to their legal department for review. I have not heard back from the loan officer on any updates or status transparency, nor have I been granted the opportunity to apply for this transaction.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX  ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, Experian and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-22
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. (OR)

I disputed the payment history and past-due balance with XXXX XXXX XXXX for a Visa card Id opened. After investigating, XXXX XXXX XXXX  agreed to remove the entire account balance, reopen the account and remove all 30/60/90 late pays from my credit reports. 

XXXX XXXX has indeed removed the account balance and reopened the Visa card, but my TransUnion and XXXX accounts still show the late pays. My XXXX report was corrected and now shows the account as paid on time with no late pays. 

The TransUnion and XXXX  accounts have not been corrected despite my disputing the payment history twice with each credit reporting agency. I dont know if thats the fault of the creditor or the two credit bureaus that are refusing to update my payment history.
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (PA)

We, the owners & occupiers, are age XXXX and XXXX, and both U.S. veterans. The mortgage holder is XXXX w/ mortgage being serviced thru US Bank . Whenever we contact the proper division of this bank, we stymied by no answers, no action ( many times ), conflicting info. We are an FHA mortgage, but are told yes, no, yes, no from US Bank. Then, on active applications for assistance, we received letters of approved forebearances, yet at the same time receive threating notices and actual lawsuits filed against us in XX/XX/XXXX for foreclosure. We do everything by the rules, Act 90 ( PA ), forebearance applications, constant contact w/ all proper " personal Bank counselors '' & still we feel we are in " limbo '' On 4 occasions, US Bank could not find our account #, and access is denied when we go on line. We sit here under our doctor 's care with leftover sickness of having XXXX from XX/XX/XXXX, and basically XXXX with XXXX, XXXX, XXXX, XXXX XXXX. We can not move to a retirement homes that have no protection from virus and its Delta variant  and others even having had our vaccines. 

We lost a major portion of our monthly income due to customers not paying what they owe us, citing loss of jobs and income themselves since XXXX. 

US Bank should have a main address to correspond with, but they have several with personnel having to re-route or delay replie that do not come. At one point, they had a malfunctioning appraiser come to our property, but wound up according to the 8x10 photos*, appraising the neighbor 's garage AT {$150000.00}. Thus, they think our home independently appraised in XXXX at {$400000.00} and with actual costs of $ XXXX when built ( every receipt/contract available ) is worth 60 % less than appraised and 77 % less than cost. 

We lived here more than 20 years here, and have no other living arrangements that will accommodate our age and physical condition. In fact, we were of the believe that there was such insurance from FHA to work out a fair agreement. 

*photos in both Bank and our possession
Consumer complaint received 2021-07-28
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On XX/XX/2021, XXXX transferred funds to me to the incorrect bank account. The funds were sent in my name through trace # XXXX. The funds were placed into a USAA bank account that does not bear my name and is not associated with me. XXXX will not take any action until the funds are returned, and USAA refuses to return the funds. The amount of the transaction is {$2700.00} and were placed into account XXXX. I filed a dispute with USAA and they denied my request to send the funds back to XXXX.
Consumer complaint received 2024-01-30
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. (TX)

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered XXXX certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (LA)

Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. American credit acceptance purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

Complaint MR. Cooper Mortgage XXXX for XXXX XXXX Refusing and denying to work towards foreclosure avoidance Payments made and went to unapplied funds and keep them there for months which caused the interest adding up on current due statement. If payment would have applied in the time receive the extra interest caused the balance to go up benefiting them. 

This Home Loan was sub prime from day one starting back in XX/XX/XXXX. We rented the house for two years and was offered by the owners to buy. We bought it through XXXX XXXX XXXX XXXX In One broker for mortgages companies to finance loans to sub prime home buyers who not other qualified for conventual home loans and unable to put any down payments. Thus created the housing bubble starting in XXXX and still today some of us homeowners have not gotten a resolution for the fallout of this. This is whole new complaint latter just wanted give an outline were this is headed. 

Starting in XX/XX/XXXX, problems came up and missed the XXXX payment. We continued to have major emergency problems that affected us making timely payments to this point. During this period, we were in continue contact with Mr. Cooper to work out solutions and payment arrangements. Having made payments towards back mortgage payments. Mr. Cooper put some of the payments I an unapplied fund and stayed there for months, thus causing higher interest cost applied on the principal and inflating the months behind on payments. We first requested forbearance in XX/XX/XXXX, Then asked for the 3 month extension in XX/XX/XXXX as allowed by U.S. Gov for XXXX XXXX backed mortgage. Before this starting in maybe in XX/XX/XXXX, we asked about repayment options. Mr. Copper stated that we used the 18 months of covid forbearance, deafferent payment, loan modification and refinancing were not an option. 

Back in XXXX The Courts order XXXX  XXXX XXXX which also served loans for XXXX XXXX at that time to correct and modify any loans that were under fraud protection act at that time frame. Both XXXX XXXX and Mr. Cooper Claim we used the allowable modifications. The First was not requested by us thus not be in the included allowable modification as it was court order and by the way took them six months comply.
Consumer complaint received 2021-07-28
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: PRESTIGE FINANCIAL SERVICES INC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

Im a XXXX veteran working with PennyMac loan servics for over 5 years. Never missed any payment not 1 time. They contacted me to Refinance my Va mortgage back in XX/XX/XXXX. And it been a nightmare lieds after lies. I was told by my loan officer i would be closings on XX/XX/XXXX and not to pay my mortgage for XXXX and XXXX because in would be included in my loan. That was a lie, didn't have all the right documents for the closing. So they rescheduled my closing for XX/XX/XXXX, and XX/XX/XXXX, and cancel out with saying a word. After i took off work all 3 times. Had my credit missed up for XXXX and XXXX XXXX XXXX called and told me to pay my mortgage for XXXX and I would be closings for sure XX/XX/XXXX .So i did, no problem. Closed as scheduled everything good i thought. Never received any money after closing like they promise 3 days after. Then they started calling telling me i was late for XXXX and XXXX mortgage payment that was supposed to be included in my new loan. My first payment for my loan was XX/XX/XXXX. Call after call threatened after about making a payment. And i told them i closed on the XX/XX/XXXX. Nothing, Reach out to XXXX  and they didn't nothing. Call and talked to VIps after Vips. Managers after manager loan officer after loan officer nothing be lied. Then threatened to canceled my loan all together. Need help bad can not sleep or eat head hurting every day. Got me and my family stressed out of losing our home. Pennymac is the worst Mortgage company in XXXX. My credit is messed up because of them and can't go anywhere else.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I AM LOOKING AT MY CREDIT REPORT AND I HAVE ALOT OF FRAUDULENT ACCOUNTS, ALONG WITH FRAUDULENT CLOSED ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF XXXX XXXX  FOR MY FAMILY AND ME. HOW CAN I PROGRESS IF THE CREDIT BUREAUS CONTINUE TO ALLOW FRAUD ACCOUNTS ON MY CREDIT REPORT. 
PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT AND SEND UPDATED COPY OF MY CREDIT REPORT. 
XXXX XXXX XXXX # XXXX {$580.00} XXXX  # XXXX {$9400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX>= $1,000,000} XXXX XXXX # XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXXXXXX # XXXX AND XXXX XXXX BILLS THAT HAVE NO CREDITOR NAMES! 
THANK YOU!
Consumer complaint received 2023-01-02
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. (AL)

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 ATTACHED LETTERS.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/XXXX I received a letter from Comenity Bank dated XX/XX/XXXX that my credit line was closed by the creditor due to inactivity. I had a name change in XXXX and called the creditor no less than three times requesting a new card with my new name on it. I was told in XX/XX/XXXX that my card was on the way. I called in XX/XX/XXXX because I had not received my card and I was told that my account had been closed. I asked to speak with a supervisor regarding this and was told that my account was not closed and a new card would be sent in the mail. On XXXX XXXX I called again because I wished to order something and was told that my account was closed and that I would need to use a different form of payment. Within the same week, I received a call from someone asking if I wanted to open a business line and I asked them to look in to my personal account, when I was again told that my credit line was closed. I asked to be taken off the call list because I kept receiving conflicting information on whether my account was closed or not. According to the letter dated XX/XX/XXXX, my account was in fact open until XX/XX/XXXX when it was closed for inactivity. This has negatively impacted my credit score due to the line being closed, and if I had known it remained open, i would have continued to utilize the credit line. I believe that I did not receive proper documentation regarding the status of the account, despite several requests, and I did not receive any adverse actions when my requests for a new card sent out were declined, and I am not sure why they were declined. I tired to call Comentiy today, XX/XX/XXXX to discuss this but was told it was not an option to discuss my account closure.