davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
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 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

EQUIFAX REFUSES TO UPDATE MY ADDRESS AND INFO. 
MY SOCIAL SECURITY CARD WAS ISSUED IN XXXX BUT NOW IN XXXX, I LIVE IN PENNSYLVANIA. need this updated and verified, and confirmed. Please send me the annual ( free ) credit report. I provided my info in the attached.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I need Consumer Financial help with Experian, I am facing problems with Experian for several months regarding the account below. 

On XX/XX/2018, I disputed this account on my Experian report XXXX in my file with Experian in regarding XXXX XXXX Public Record - REF XXXX XXXX .... 
and Experian has verified with this note below : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details - ( Experian report XXXX ) This answer from Experian is not possible and not true, because first, the United States XXXX XXXX not XXXX company! Were Experian verify this information? and if Experian got this information from a 3rd party, it is illegal. When I sent my dispute to Experian I provided Experian with the United States Court Clerk official letter explaining this information below : This court neither provides credit reporting agencies with information or 3rd party company ( letter from clerk attached ) I am upset that Experian and all these credit reporting agencies would try such a blatant stall tactic. It is clear that Experian never has the intention to investigate my consumer case and always using false tactics to damage consumer reports. Experian needs to delete this account from my Experian file immediately. 

Enclosed is a copy of my original letter and certified green receipt with the disputed items.
Consumer complaint received 2021-01-11
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. (NM)

My Credit Report shows that I have 3 Late Payments and it doesnt give or list the Company Name, Phone number ( s ) or the Dates of the Late Payment. I have never been late on my payments and I can not find where this incorrect information is located or coming from. I Dispute the 3 listed Late Payments that on my Credit Report. XXXX XXXX XXXX, DOB : XX/XX/XXXX. 
Mobile # ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX NM XXXX, Physical Address : XXXX XXXX XXXX, XXXX NM XXXX.Thank You
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (LA)

This company, Tower Loan, calls continuously. XXXX XXXX XXXX has accepted this account for {$3100.00}. XXXX told me to change my information to their contact information and ignore the phone calls ; however, when I did this, Tower Loan left a voicemail stating that " They do not work with debt recovery agencies, and if payment is not received, you will be sued. '' On XX/XX/2023, they showed up at my home and left a statement in an unstamped envelope at my door. The calls are excessive, but XXXX said to continue to ignore them. I was advised by someone local to submit this report to CFPB.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, 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. (FL)

My last FICO  score was XXXX and I can't understand why is not the maximum of 850 or somewhere in that range. My total availability of credit is {$58000.00} and my average monthly use is usually less than 10 % of that or {$6000.00}, in addition, I recently paid off the balance of a lease to XXXX in the amount of {$13000.00} and I do not have any other large balances pending, my current total of use at this particular moment is exactly {$1200.00} which is 2.13 % of my total availability of {$58000.00}. Perhaps someone could explain to me what is going on.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-01-11
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: U.S. BANCORP (IL)

There are 3 unauthorized inquires reporting to my XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and US Bank. I contacted XXXX on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX  is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I filed a complaint with the CFPB about Wells Fargo 's handling of my mortgage concerning the covid 19 motgage payment suspension period, I complained that Wells Fargo added money to my mortgage, money that I did not borrow, but a penalty for using the Covid mortgage payment suspension. Wells Fargo 's answer was to create virtually a second loan account for the assesed penalty. Again I must complain about this, The implied Covid mortgage payment suspension was that mortgage payments would be suspended and resume after the alotted time period without penalty. These terms were implied and I and I am sure many others are appaled that an important government social contract in time of Government Mandated Shut Downs, would be used to defraud the home owning public. 
No penalties should be assesed, and if they are allowed to be then the Government should be the one to pay those penalties. It was the Government who shut the country down, and tried to mitigate the loss of personal income by coming up with this program and other programs to help with the loss of that income. 
The adding of money owed or " borrowed '' to my mortgage account, when I never borrowed more, is not only improper but imoral.
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

To whom it may concern : Account Name : XXXX XXXX XXXX  Account Number : XXXX I received a copy of my credit report. This account is being reported incorrectly. This collection account is reporting a past due balance of {$1800.00}. According to the FCRA, I have the right to an accurate credit report. This debt collector also has not provided me with proper debt validation for this alleged debt. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Consistently, I've made sure payments on this account are on time, never allowing them to be overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2021-01-03
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)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Consumer complaint received 2021-01-11
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. (AL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. REMOVE IT ASAP.
Consumer complaint received 2023-08-11
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: BARCLAYS BANK DELAWARE (GA)

I would like to have these unauthorized fraudulent inquiries removed from my credit report XXXX Inquiry : XXXX XXXX, XXXX  + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
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. (TX)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

In XXXX my husband experienced XXXX failure resulting in a XXXX transplant. Within 90 days he had to have another XXXX transplant as the first one did not take.That started a year and a half of hospital stays for my husband. It got to the point where I lost my employment due to too many days I had to take off to care for him. I then took a part time job and fell behind on the mortgage. My husband is still incapacitated and unable to work to this day. We have not been approved for XXXX and my husband has no income coming in. I have went back to work and applied for a loan modification. I was denied in XXXX, XXXX for no down payment. I was advised by XXXX ID XXXX on XX/XX/XXXX that the numbers looked good and if I could prove that I had a significant down payment I would be approved. COVID - 19 came into our lives as everyone else 's last year and due to my husbands history of medical problems it has become very dangerous for him to be exposed. This required us to alter our life in very unexpected ways to protect my husbands health. I sent in another package for modification review on XX/XX/XXXX and have included that package in the document portion of this complaint. After submitting the package I followed up on XX/XX/XXXX and was advised of missing documents ; specifically a legible hardship letter, bank statements for my husband, tax returns, flood insurance and proof of down payment. I sent the revised hardship letter, proof of down payment and XXXX - T on XX/XX/XXXX. I sent the letter of explanation that my husband does not have a bank account and I have been unable to procure flood insurance on XX/XX/XXXX. On XX/XX/XXXX a follow up call was made. XXXX XXXX advised that the last review of the package was XX/XX/XXXX and it was denied for missing documents. The documents she said were missing had all been sent as noted above. I was unable to speak to anyone handling the loan and when asked directly if they would put someone out with medical issues in a pandemic when they submitted all requested documents and the firm did not review, Ms. XXXX replied, yes. We feel as though this is unfair as the documents were submitted on our end and Rushmore not reviewing them was the reason for the file to be denied. Thank you.
Consumer complaint received 2020-09-28
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 — Investigation took more than 30 days
Company: AmeriCollect (AZ)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX. XXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX XXXXXXXX Account # XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX bankruptcy discharged Date filed XX/XX/2018 has violated my rights. 
XXXX5 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
Consumer complaint received 2021-01-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (TX)

I received a notification that my credit score has dropped 50 points from a debt collector XX/XX/XXXX. The debt is showing for Speedy Cash, the original debt was added over 7 years ago. The debt was sold twice since then and removed twice to be added back on XX/XX/XXXX. The debt is {$520.00} added by XXXX, XXXX XXXX XXXX. I reached out in form of a letter requiring proof of debt and is still awaiting a response. This has caused inconvenience by dropping my credit in the times of a pandemic. 

Thank you,
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (CT)

I have tried to lower the interest on my car loan since due to the situation of the pandemic I lost my job but still I continue to pay my payments and the interest is at 14.99 % and now the interest has dropped and I want to lower it but They don't want to help me, they say it can't be changed. To this day I have never stopped paying my car, I just want my interest to be lowered as the law stipulates at this time The bank that has my car loan is Westlake Financial
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A money transfer was supposed to occ ur 2 weeks ago and BOA has  provided no help in completing this transaction. Routing numbers are unavailable and impossible to obtain and no one from the bank ever responds or tries to help correct the problem. This is unprofessional for a bank to not help with transactions or facilitate money transfers into accounts.