davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I had a mortgage with New Rez ( loan number XXXX ). I got an offer to refinance my mortgage with New Rez. I closed on the refinanced mortgage on XX/XX/2020 XXXX new loan XXXX ). On XX/XX/2020, New Rez debited {$1700.00} from my account for the old mortgage, loan number XXXX. The old mortgage was closed, so there is no indication of the {$1700.00} or having a credit. It also doesn't show up on the new loan. In addition, the loan was showing as paid off based on the amount submitted in the closing. My {$1700.00} is showing up nowhere and I have not received any of that money back. Since XXXX, I have called repeatedly and emailed using their customer service email. I have had no success in getting this issue resolved.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-05
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing this complaint against XXXX XXXX & Transunion. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that TransUnion is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date TransUnion is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that XXXX is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date XXXX is reporting is unavailable. XXXX has failed to publish the correct information. 

The Bankruptcy filing date XXXX is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019 I was charged {$2800.00} for a car rental that was detained by the police. When I called dollar rental they informed me that they will pick up the car that day. The car agent never put through the request because when I called a month later after seeing a charge on my card she informed me that they never put the request in to pick up the car. She said she would have it fixed and wouldnt be charged for there mistake. I was still charged. They refuse to resolve the issue and my credit card will not remove the dispute since dollar rental is saying charge is valid. My card limit is XXXX but capital one accepted a charge of XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit reports across all three bureaus are different ( experian, transunion, XXXX ). Can I please get a updated copy of my credit report from all three bureaus with all up to date and accurate information.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was looking at my credit report and noticed XXXX XXXX Card Ser on my credit report being charged off. I was never 90 days late on this account. The information is inaccurate and is affecting me getting any decent loan or credit with a good interest rate.The 3 bureas are reporting different dates my account was closed and last activity on my account.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

THIS IS NOT MY ACCOUNT. AND I BELIEVE I WAS A VICTIM OF FRAUD AND IDENTITY THEFT. 

I TRIED RESOLVING THIS ISSUE SO MANY TIMES WITH THE COMPANY BUT IT GOT ME NO WHERE. 

THEY SENT ME VALID INFORMATION PROVING THAT IS ME, BUT TO MY BEST KNOWLEDGE AND CONSENT, I HAVE NEVER PROVIDED ANY OF THE INFORMATION THEY SENT ...
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA (GA)

This concerns interest charges that are being applied to my account, and which contradict the advertised interest rate ( i.e. no interest ) for which I was qualified and for which I was approved at the time the device was purchased using the XXXX Card credit card. Below is a summary timeline of the transaction. 

XX/XX/2020 : I purchase the XXXX XXXX XXXX  from the XXXX XXXX at XXXX using the XXXX Card, and opted for the 24-month installment credit option. 
XX/XX/2020 : I contacted XXXX  to obtain support because the phone would not successfully complete the second SIM card set up. XXXX  directed me back to XXXX. 
XX/XX/2020 : After unsuccessfully trying to configure the device at the XXXX retail store, I returned to XXXX to request a refund as I was frustrated. At that point, the manager directed an associate to switch out the hardware. 
The XXXX  associate refunded the original transaction, and then completed a new sales transaction using my XXXX  Card details. 
The new hardware worked as expected. Since those transactions were completed, it has come to my attention that my Apple Card account is charging interest, and it is not on the 24-month interest-free installment plan that I thought I was getting. 

All indications suggest that the XXXX sales associate who processed the return on XX/XX/XXXX, did not set up my purchase the way the original purchase was done, thus causing my account to be subjected to interest charges.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-05-08
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)

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  : XXXX, XXXX XXXX XXXX, XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX A : XXXX, XXXX OF XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My name is XXXX XXXX i am currently a member of the XXXX XXXX. XXXX of 2019 i was suddenly XXXX which left me no time to contact my current creditors to notify them therefore i was reported late by CREDIT ACCEPTANCE CORPORATION for multiple months which has killed my credit score. I am about to come home soon and my plan is to purchase a home but this is hindering me. It was not by choice that i was suddenly XXXX. If these late pays can be corrected to paid on time never late that would really help me out. I have tried to dispute this with the credit bureaus and the original creditor which came back verified or validated..I am not an expert in credit so i do not know what else to do than to place a complaint with the CFPB. I hear the state attorney general is the next step. I do not want to cause issues for CREDIT ACCEPTANCE CORPORATION, I just want this corrected. thank You I have attached a copy of my report for reference on all the late payments they reported.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

This is in repsonse to XXXX about WELLS FARGO CARD SERVICES. 
: XX/XX/2018 Card needs to be approved based on the credit report that was pulled from this account. 

Wells Fargo never asked me for my residence status. This card was denied due to " non-resident status '' How could they possibly know my residence status if they never asked? 

Please see MITZIE PEREZ, et al., Plaintiffs, v. WELLS FARGO BANK, N.A., Defendant. 
Case No. 17-cv-00454-MMC
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Hello- I do hope you can help me with LoanCare. I have been trying to work out a disaster repayment plan with LoanCare. I was on a forbearance program due to Hurricane Ian from XXXX to XXXX, XXXX. I was incredibly grateful LoanCare offered such a program. I entered the program under the pretense at the end of the forbearance period, someone would work with me on a repayment plan, to pay what I could and my good credit standing would not be impacted. I made a payment in XXXX of {$510.00} and a full payment in XXXX, {$1500.00}. My good credit standing is extremely important for my Government clearance. I started calling LoanCare around XXXX to discuss a disaster repayment plan. I was told someone would contact me at the end of the forbearance period. I received and completed the Mortgage Assistance Application and submitted it on XX/XX/XXXX as I was advised by a LoanCare representative around XXXX XXXX when I called to wait until the end of the forbearance period. I received no response so I followed-up with a phone call on XX/XX/XXXX. I attempted to makes another payment which was declined by LoanCare unless I could pay {$2400.00}, stating I was more than 60 days late and they could only accept a full payment or submit additional documentation for underwriting. I provided the requested documents on XX/XX/XXXX. Again I was assured there would be no impact to my credit score while a plan was being worked out with underwriting. XX/XX/XXXX, I learned LoanCare reported me as being 60 days late to the credit bureau. I spoke with another LoanCare representative on XX/XX/XXXX who stated I was told misinformation on XX/XX/XXXX, that LoanCare did not have me under the disaster forbearance program, she contacted her supervisor to correct the credit reporting and she stated NO additional documents were required from me and my current interest rate would not be changed. The next step was for underwriting to work out a disaster repayment plan. I called on XX/XX/XXXX as I had not heard back from underwriting. The LoanCare representative stated, I received incorrect information on XX/XX/XXXX. Additional documents were needed, my interest rate would like increase to the current rate and the credit bureau would continue to be notified of late payments. The only way I could prevent this was to pay {$3800.00}. I explained I receive drastically different or misinformation every time I contact LoanCare. If I knew of this impact, I would not have entered into the disaster forbearance program. I explained that every time I contact LoanCare I am misinformed and requested to speak with a manager to no avail. I followed up with an email to LoanCares Mitigation Department in XX/XX/XXXX and XX/XX/XXXX requesting for management to contact me so we can work out a disaster repayment plan there has been no response. I would appreciate any assistance, this is causing me undue stress personally and financially. Thank you!
Consumer complaint received 2023-05-08
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. (CA)

There is an account being reported from XXXX XXXX XXXX with account # XXXX date opened XX/XX/2019 closed with XXXX balance. Please delete this from my name it does not belong to me.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX XXXX
Consumer complaint received 2024-01-17
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-05
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)

XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name THE XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$8000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine