davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (KY)

My ex wife took out a VA loan on XXXX XXXX XXXX, XXXX, KY XXXX. She is a veteran. I am not. My name was not on the deed when this loan was taken out. My ex wife refinanced the loan with Rocket Mortgage. Rocket Mortgage let me know my name would go on the deed upon refinancing. That did not happen. However, they did put me on the mortgage. I found this out when the house was to go upon the market for sale. The listing agent told me I had no ownership of the home. Please see attached report from the XXXX XXXX Kentucky assessor showing I am not an owner of the property. A copy of the accepted purchase contract is also attached. I am not an owner of the property so only the owner of the property is on the purchase contract. The property is scheduled to close around mid XX/XX/XXXX. The closing title attorneys are XXXX XXXX XXXX in XXXX, KY. I believe their phone is XXXX. 

My ex wife quit paying on the home XXXX and XXXX of XXXX. We lived at different residences. I found out since she was not paying the house payment my credit was being negatively impacted. So I started paying the house payment for XXXX XXXX XXXX even though I had been living at a different address for over XXXX years. I did not want my credit ruined. I don't feel it is fair that I'm being negatively impacted on my XXXX XXXX for a home I do not own. 

I'm trying to purchase a home. I contacted my mortgage lender. Due to the XXXX late payments my ex wife did not pay, FHA will not approve me for my home loan.
Consumer complaint received 2022-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-24
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-07-27
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)

Hello I have inquiries that are not mine and few accounts that appeared just recently. I am victim of identity theft and I feel that my personal information was used or I guess its poor reporting and bureaus just filed unknown items to my personal report. They are killing my score, please figure out why I have them and delete immediately
Consumer complaint received 2022-12-24
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-24
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-24
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-12-12
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. (TN)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2900.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$10000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$9800.00} ), XXXX  XXXX Bankruptcy ( Date Filed/Reported XX/XX/XXXX, Reference # XXXX ), XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$50000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$14000.00} ), XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$8900.00} ), XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$65000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (FL)

I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX  all XXXX, XXXX, XXXX, XXXX I had all XXXX XXXX XXXX XXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX  they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over XXXX and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.
Consumer complaint received 2020-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX all XXXX, XXXX, XXXX, XXXX I had all XXXX  XXXX XXXX  XXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX  they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.
Consumer complaint received 2020-03-05
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: Mr. Cooper Group Inc. (GA)

In XX/XX/XXXX, I filed a dispute with XXXX regarding my account with my mortgage company, Nationstar/Mr. Cooper, because the account was not showing my recent payments, when in fact I had made them. At that time, the other credit reporting agencies had accurate information in their credit files for this account. Instead of the update being made to the account, shortly thereafter, my mortgage was completely removed from my XXXX  credit file. I received no explanation as to why. 

Several months later when I noticed the difference in my credit scores among the three credit reporting agencies, I realized that the major difference was my missing mortgage account in my XXXX  file. When I reached out to XXXX  to find out how it could be added back, a representative informed me that it was up to the mortgage company to submit my credit file to them to get the account added back to my file. Following that call, I have emailed and called Nationstar/Mr. Cooper to make this request. This requesting and waiting for an answer went on for well over a year. Last week, I finally reached someone in the escalations department of my mortgage company who informed me that they have been routinely submitting my account information to all three credit reporting agencies on a monthly basis, and that I would need to contact XXXX to find out why the account is not showing up in my file. Tonight ( XX/XX/XXXX ), I just hung up the phone with XXXX, and the conversation ended with the representative telling me that I need to talk to my mortgage company to find out why my account is not showing up. 

I am at my wit 's end with this. No one is helping me and it is unfair to keep sending me back and forth when I have no control over the reporting.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I was trying to unfreeze my credit and Experian stated that it was unable to do so over the phone or online, that I had to do it via written request. This will take time and money on my part collecting the information requested and submitting it via mail, on what I should be able to do over the phone or online. I am unable to speak with a live human to inquire why this is needed and get the issue resolved. I was able to get issues like this resolved before the CFPB was created. I am unsure what purpose you are providing the tax payers if service has deteriorated since the CFPB 's inception. I spoke to a very nice person on the phone at CFPB and she stated that she gets calls all day long about the credit reporting agencies from consumers who have similar issues who are also unable to speak with a person. This issue seems like this is low hanging fruit that the government should be able to fix in short order.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Circle Internet Financial (CA)

" According to XXXX, Circle Internet Financial is responsible for managing XXXX withdrawals that I make from XXXX to my bank. I submitted XXXX XXXX $ withdrawals from my XXXX account on XX/XX/XXXX for {$2000.00} to be sent to my bank account at XXXX XXXX XXXX Bank. My account at XXXX was debited but I never received the funds at my bank. These withdrawal requests were made following the XXXX guidelines, instructions and terms of service 3 days prior to XXXX declaring XXXX  on XX/XX/XXXX. At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. I received confirmation on the website, the app, and via XXXX support directly that the XXXX were being sent. Once again, according to XXXX, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. Specifically, according to XXXX, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. I have yet to receive my funds. I have also not received any update from either of Circle or XXXX what happened to my XXXX and the status of my funds.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$100.00} from Creditor : 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 an account without my written instructions.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had this issues since I have opened the account. My issues is I will have a transaction that is pending. The pending amount will be subtracted from my available balance. The transaction will then post and be deducted again from my available balance and reflect as both pending and posted. I will then have to wait an additional XXXX days for the pending transaction to fall off and the money be returned to my account. This has happened several times with the most recent time being XXXX. I had made a purchase on XXXX for XXXX $ from XXXX club and it was pending and reflected in my available balance. Then on XXXX it posted and was taken out again but never dropped off as pending. So now it's been taken from my available balance twice. I spoke to representative at XXXX and they are trying to tell me its the merchant but this has happened with several different merchants and I don't have this problem with my other checking accounts and other banks. So far there has been no resolution and I've just been getting the run around.
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a new debit card from Bank of America and purposely did not give the number to a merchant that was not delivering services as promised and to whom I was requesting a refund ( which they denied and we are now in a dispute of charges ). My new debit card number was provided to the merchant from Bank of America, who blamed Visa, could not point out where I gave them permission to release my personal banking information to a merchant, and said its written somewhere in the small text of my initial banking agreement and I shouldnt complain because all banks give your replacement card number away for recurring payments. This is a blatant violation of my financial privacy and an unclear, obscure hidden policy that seems to go against the grain of consumer welfare.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I discovered these accounts on my credit and they do not belong to me. Ive reached out to the company several times! 

XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX XXXX {$15000.00}
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (HI)

I received a notification on XX/XX/XXXX that we can shop on XXXX and for purchases over {$300.00} we could request a flex pay of 12 months. 
When we did the large purchase on XXXX Friday sales on XXXX on XX/XX/22 for {$350.00} and for {$1100.00} we only got the 6 months offer from CITI. 
I called on XX/XX/22 to ask why we didn't get the 12 month flex pay as offered on their website when I log into my account. They said I only qualified for the 6 month offer. Which is not what the offer shows on my account. I called again on XX/XX/22 spoke to a supervisor who said I had to show proof of my offer and email it to XXXX which I did on XX/XX/22. Not hearing from them I sent another email on XX/XX/22 asking for an update. Then I received an email from them on XX/XX/22 stating that they lumped XXXX small charges from XX/XX/XXXX - XX/XX/XXXX into XXXX 12 month flex pay???? These purchases by themselves did not qualify for the XXXX flex pay yet they lumped into a 12 month flex pay which they say I wasn't offered?!?! We were asking for the XXXX large purchases done on XX/XX/22. Why do they offer it and not honor the offer? To me this is false advertising. We purchased the large items with the idea that we had 12 months to make the payments. Then today in the mail I get a letter from CITI which doesn't answer my complaint at all. I included a copy of the letter.
Consumer complaint received 2023-06-08
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (NY)

When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account. XXXX XXXX XXXX Balance : {$0.00}. Please send me the results of your investigation 30 days after my first attempt of dispute.
Consumer complaint received 2023-06-08
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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that accounts disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX