davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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 XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX XXXX XXXX had fraudulently pulled from my Credit Report from XXXX  and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, Capital One has also used my information without knowledge. No one has access to my information.
Consumer complaint received 2021-06-18
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. (VA)

I contacted Equifax on XXXX to inform XXXX  that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. XXXX XXXX {$0.00}, XXXX  XXXX {$0.00}, XXXX  XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$720.00}.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  ; XXXX and Transunion are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2020-04-01
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, XX/XX/XXXX, and XXXX, JP Morgan Chase had fraudulently pulled from my Credit Report from XXXX and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has also used my information without knowledge. No one has access to my information.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

In XX/XX/XXXX, Shellpoint Mortgage Servicing sent me a letter asking for proof of hazard insurance on my condo. This was unnecessary since Shellpoint had assumed the mortgage two months earlier and sent me a letter saying I would not need to do or change anything. 

Still, on XX/XX/XXXX, I sent in proof of hazard insurance. A week later, I got another letter asking for the same information. On XXXX/XXXX, I called Shellpoint and the person said I had not provided the dates of the hazard insurance policy. On that same day, I provided that information. 

Despite providing the information that was requested, despite it being unnecessary based on Shellpoint 's prior statements, on XX/XX/XXXX Shellpoint charged my escrow account {$700.00} for hazard insurance on my condo that they had actual knowledge was unnecessary. They had this information for two weeks prior to this fraudulent charge. 

I have spent the past five days, beginning on XX/XX/XXXX, leaving voicemails, chat messages, and emails to Shellpoint but have received no response to get the money back that Shellpoint defrauded me of.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Someone has being going to the ER using my name since 2014. 

The police here in Alabama has just arrested the person, i contacted XXXX XXXX  with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections from my credit report immediately!!!
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As of XX/XX/2020, Transunion still reports XXXX XXXX XXXX as verified even though I've sent Transunion documentation explaining inaccurate last date of payment. Wrong or misleading balance owed or past due. As a result of TransUnion is in Violation of FCRA rules.
Consumer complaint received 2020-04-01
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)

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. The bureau has failed to do so and only respond back with a general " verified '' response. They havent indicated how it was verified, who they spoke with and what information was shared with them that show it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.
Consumer complaint received 2020-04-01
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. (GA)

On XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX XXXX XXXX had fraudulently pulled from my Credit Report from XXXX and it has dinged my scored, yet tried to mediate the situation, but to no avail. Then, on XX/XX/XXXX, XXXX XXXX / XXXX had also did such action. Finally on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has also used my information without knowledge. No one has access to my information.
Consumer complaint received 2020-04-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I started the process to remove the PMI in XX/XX/XXXX. Even I explained them that I want to know how much I need to pay to drops my loan to 78 %, they send me the same letter over and over again for 3 months. Because I never received an answer, in XX/XX/XXXX, I paid to the principal {$9800.00} to drop my LTV to 78 %. I calculated the LTV using the original value of the house and the loan I bought the house for {$250000.00} and my loan now is {$190000.00}. Now they send me a letter : " Please be advised, your PMI will automatically terminate when the loan-to-value ( LTV ) ratio reaches 78 % of the original value of the residence, which is in XX/XX/XXXX. The automatic termination date is based solely on the original amortization of the loan. '' This mean that it is automatic termination in this date does not matter if I paid the 78 % before of this day. They don't care 78 % they just follow the date XX/XX/XXXX. 

In the same letter : " For a borrower who has initiated cancellation, the Homeowners Protection Act ( HPA ) provides that, if the borrower meets certain  requirements, then PMI shall be cancelled on the date when the principal balance reaches 80 % of the original value. Currently the original LTV is at 82.1 %. '' How did they calculate the LTV?. They may be used another original value of the house. I'm in this process for 4 months, and I don't know what to do? they don't communicate with me. 

XXXX XXXX XXXX ID : XXXX
Consumer complaint received 2020-03-21
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: Experian Information Solutions Inc. (OR)

Today I received an alert on my credit report that a company I have never heard of or done business with had pulled a hard copy of my credit report without my consent or knowledge. I called the company and received no response. 

I researched the company through the XXXX and discovered complaints against the company which is a debt collection agency. I have no debt and have excellent credit. They have threatened my credit by pulling this report and I also fear that they may have access to more of my information. The company has an F grade with XXXX. 

I would like to have this inquiry removed by them and an explanation of why they sought access to my credit since I did not authorized them to do so and have no idea why they did it. 

This is the alert I received : Credit Alert New Inquiry Reported By XXXX XXXX/XXXX   XXXX Reported On XX/XX/2020 The company is listed on my Experian report as : XXXX XXXXXXXX XXXX Bulk Purchase Finance Contact info XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX I think that this company is doing harmful things to peoples credit and also trying to extort money from people by telling them they have outstanding debt that they don't have. They say that they are a debt collection agency. I suspect that they are operating in illegal ways. I hope you can stop them.
Consumer complaint received 2024-01-02
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. (GA)

I have erroneous inquiries on my credit report attached is the documentation and an erroneous reporting of a student loan. This is on all three credit reports. Also XXXX document uploader is not working, and they do not seem interested in fixing it.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

After the Equifax security breach in XXXX I placed a security freeze on my account. I was given a number code and was asked to note it down as it was supposed to allow me to lift the freeze. 

I am now trying to lift the freeze for a mortgage application. I tried to do this online but was forwarded to a page asking to call by phone. I contacted equifax on XX/XX/XXXX by phone and was told that the number I was given was not used any more because of a system change. Instead I was asked several questions. Unfortunately these questions concerned dates of previous non-mail interaction with equifax, such as the last date I had requested a credit report. Never was I informed during these events that these dates would serve as information necessary to modify my security freeze and that I should thus note it down as critical information. Because of my failure to provide the requested information, I was denied to lift my freeze and asked to send in a copy of my driver license and social security card by mail. I did this on XX/XX/XXXX. Since then I have called weekly to ask about the processing of said request and was asked to wait and call again after '5 more business days '. This has lasted until now. 

Now the number I am supposed to call to inquire says that it is only available from XXXX EST because of the COVID-19 situation and site closures. However I called several times during this time and was always led back to the same tape regardless of selected options without being able to reach an associate.

Equifax has now denied me to lift my security freeze for one and a half months.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

On XX/XX/2020, I called PHH Mortgage Corporation from the number posted on their website to postpone my mortgage payment for a few months because my husband and I are affected by the Coronavirus ( Covid19 ) lockdown in XXXX XXXX, California. My mortgage payment is current and our payments have been on time every month for over ten years. 

The representative ( XXXX ) who answered the phone stated that she could " freeze '' our mortgage payments for three months ; however, on XX/XX/2020, we will have to pay {$14000.00}. Our regular monthly payment is {$3600.00}. 

I asked the representative if there were any other solutions, and the representative said, " No. '' She didn't even ask for any financial information about our current situation. I told the representative I decline, and I did not freeze my mortgage account. 

This one solution obviously defeats the purpose of natural disaster relief during the crisis affecting the country right now. My husband who is self-employed can not work because of the " Safe at Home '' lockdown right now. 

Is there any way you can help or encourage PHH Mortgage Corporation to come up with a solution that makes sense  during this crisis? It obviously doesn't make financial sense to put our mortgage into possible foreclosure in XXXX by freezing our account now.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I opened a dispute with XXXX about my TD Bank account. The account was listed as having been charged off in XXXX and XX/XX/2020. The account was included in my Chapter XXXX bankruptcy and discharged on XX/XX/2020. TD Bank did not change my account from charged off to discharged in bankrutpcy. I called and was told by collections that they did not know how to help me.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2020-04-01
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: EQUIFAX, INC. (FL)

I am filling a complaint against Equifax because they violated section s.1629e ( 8 ) of the debt collection practices act. Which clearly states that any information know to be false, can not be reported to any credit bureau, I request that you immediately delete this information from my credit reports. A credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

I sent a dispute letter demanding verifiable proof to an unverified account on my credit report on XX/XX/19 and the letter arrived on XX/XX/19 according the tracking from USPS. The 30 days passed and I did not receive any response from Equifax. First violation of the FCRA s.1629e ( 8 ). 

I sent a 30 day non response letter enclosing a copy of the original letter that I mailed to the company via certified mail requesting they verify the alleged debt the company claims I owe. The non response letter was sent on XX/XX/19 and arrived on 10/3/19.The 30 days passed and I did not receive any response from Equifax. Second violation of the FCRA s.1629e ( 8 ). 

All letters were sent with a copy of my identification documents as well as notarized form proving my identity. 


The company failed to respond to this validation request. A credit bureau is required to respond and complete the investigation within 30 days. They did do not respond within this time frame or respond at in my case so they must remove the negative listing disputed. If they do not, they are in violation of the FCRA
Consumer complaint received 2020-04-01
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. (WV)

On XX/XX/2020 a new inquiry was placed on my report I'm not looking at getting a new home so I know it's not me I have tried for days to reach someone but I haven't been able to talk to anyone plus there is numerous issues on my report I just wan na get this resolved
Consumer complaint received 2023-02-14
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. (FL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.