davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2023-01-16
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)

This is the several time I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

We have been trying to get XXXX XXXX to respond to our issues with no fair resolution... They added a forebarnce account to our credit report without our permission... we did not sign anything related to this account and XXXX XXXX can not show us the documents .... This has caused us great pain financially... We think that this is a racial issue and is discrimation ... .We both are disable and I am retired military .... We deserve better .... Please see attached documents ....
Consumer complaint received 2023-01-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I have recently talked with a mortgage XXXX and he advised me that in XXXX  we should have been informed about relief due to XXXX. I informed him we have had a hard time catching up and that we were never given assistance or offered a XXXX forbearance and due to no assistance we have been in financial distress ever since. We reached out when we realized we were having difficulty paying our mortgage XXXX XXXX, when were experiencing hardship due to XXXX. We contacted XXXX to get help in the matter, and they offered a forbearance package sent in the mail but nothing relating to XXXX. I was advised that when we called in to XXXX a package was not even necessary but should have been aided right over the phone no questions asked and no package was even needed to be sent before they could issue XXXX assistance. We have been late a couple times since but have been trying really hard to get out of the financial crisis we are in.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (NJ)

In XXXX I called for a payoff to close my property on or aboutXX/XX/XXXXXX/XX/XXXX. The agent whom ordered it advised me that I didn't have to pay my mortgage because I was closing on my house and that the Corona Virus was protecting my non payment. Since I had the loan I have never had a problem. She also advised me that she would note the account so nothing would happen to me. I paid off the loan and closed and discovered now that my credit score dropped dramatically. I contacted the agency and they told me that they contacted XXXX XXXX and that their reporting was accurate when it was not. I had great credit until I trusted that agent who promised the " moon '' and for no reason because I could have paid the payments and XXXX XXXX
Consumer complaint received 2019-12-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report. 

15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution
Consumer complaint received 2019-12-26
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: U.S. BANCORP (NV)

My credit card was used without authorization, there are fraudulent charges on my account, I did not suthorize these charges XX/XX/2019 - XXXX XXXX - {$2600.00} XX/XX/2019 - XXXX XXXX - XXXX XX/XX/2019 - XXXX XXXX - XXXX I have contacted the bank several times, via phone, and sent in the fraudulent charges documentation on XX/XX/2019 and again XX/XX/2019 The bank initially credited my account, then on XX/XX/2019 they have reverse the credits and debited my account without investigating these fraudulent charges. The debit appeared on my account on XX/XX/2019 - they have sent me the documents to be filled out dated XX/XX/XXXX, but I did not receive the documents until XX/XX/2019, which I have returned on XX/XX/2019, but ty this time the debit was posted on my account, and the investigation was concluded. There is no evidence that these charges are valid, there is no receipts, etc .... 
I have been calling the bank weekly since then, sent multiple email messages, but the bank is not responding. Every time I call, no one is willing to discuss the fraudulent charges, and they are telling me that the case is closed. I did not make these charges, therefore, I should not be liable for these fraudulent charges. Obviously, I'm not going to be able to pay these charges. 
I would like these charges to be removed from my credit card account, and the interest charges as well.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (AR)

It APPEARS XXXX, XXXX, AND EXPERIAN ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX XXXX & XXXX XXXX. XXXX, EXPERIAN, AND XXXX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION TRANSUNON, XXXX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER TRANSUNION, XXXX, AND XXXX HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

Earlier in the year I had made a verbal request to the company ( Hunter Warfield ) to cease calling me. On XX/XX/2021 the company called me twice back to back ( from phone number XXXX ). Once at XXXX and then again at XXXX XXXX  eastern time zone. I called the company back at XXXX and requested that they stopped calling me. A male answered the phone and proceeded to ask me questions. I advised the representative that I just wanted them to stop calling my phone number and the representative rudely disconnected the call without honoring my request. On XX/XX/2021 at XXXX eastern, I received another phone call.
Consumer complaint received 2019-12-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (FL)

on XX/XX/2019 XXXX removed what was agreed to be incorrect information they removed Ally Financial for {$8600.00} and as of XXXX they added it back to the credit file and my credit score has fell XXXX points since then this information is incorrect and needs to be corrected.
Consumer complaint received 2020-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

It APPEARS TRANSUNION, XXXX, AND XXXX ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX XXXX & XXXX XXXX. TRANSUNION, XXXX, AND XXXX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION TRANSUNON, XXXX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER TRANSUNION, XXXX, AND XXXX HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.
Consumer complaint received 2020-06-08
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. (GA)

Hello, I opened a Dispute with XXXX and Experian credit bureaus about 2 collection accounts reporting the same collection item on my credit. I was wanting them to verify heat to account and get an understanding of how two collection agencies ( 1.XXXX XXXX acct # XXXX 2.XXXX XXXX account # XXXX ) can be reporting and looking to collect on this item. This is double jeopardy according to the Fair Credit Reporting Act and these accounts are supposed to be deleted. It's been over 30 days and I have not received a response from the credit bureau at all. I am asking the cfpb to step in and help me get an understanding of how 2 collection agencies can report the same item on my credit report and according to the Fair Credit Reporting Act after 30 days both are supposed to be deleted, and they are supposed to be deleted because this is double jeopardy. Please help me with this situation!
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax has the wrong info. On me and if they are saying that I have a mortgage loan and I have never tooken out one in my name and also retail credit card account and that is also not true so Equifax won't give me a free credit report from so that I can see what's happening with my credit accounts and I am also a victim of their recent data breach so I'm a victim of possible indenty thieft.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XXXX XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Due to covid 19 I was granted a mortgage forbearance with Wells Fargo Bank. When I asked and was approved for a mortgage forbearance I received a letter from Wells Fargo stating that my mortgage would be increased due to an escrow shortage. Although I paid my mortgage my mortgage was still increased. I called Wells Fargo and have been told several opposite versions of why the increase happened. As of now, my mortgage has increased and Wells Fargo is unwilling to fix the issue.
Consumer complaint received 2020-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CHOICE CAPITAL FUND (FL)

I received a loan amount. I have been paying it down and but the amount never seems to go down. Rather it is higher. They are hard to work with and the accounting records seem to not include all of the payments. This is a predatory loan and they are not helpful. They just want their money. They put my account which was in good standing in past due now even before the due date.
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-06-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (AZ)

I have an FHA loan. I am eligible for an FHA streamline refinance according to the rules set forth by FHA. Recently I applied with my current servicer for a streamline and was told they have recently implemented a minimum FICO for EXISTING CUSTOMERS. 

I understand that a servicer may not want to take on OUTSIDE customers below a certain FICO as it represents additional risk to their servicing portfolio. 

However, to apply an arbitrary FICO on a program that is not an FHA requirement on loans that you already service is of no benefit and has an adverse impact on their customers. 

Rather than improve their risk by LOWERING a customer 's rate, they are penalizing people in FHA loans that may be working hard to repair issues in their past. After my divorce, getting back into a home was a milestone for me. I do not need my mortgage servicer penalizing me for a loan THEY agreed to service in the first place. 

It feels as if they think I am trapped with them and can make more money by keeping me in a high rate loan.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (TX)

Re : CFPB XXXX XXXX My dispute was sent thru CFPB XXXX and was received by Experian credit bureau XX/XX/XXXX XXXX an interim response on XX/XX/XXXX. 

It is now XX/XX/XXXX XXXX days from the initial date and XXXX since their stall response without a dispute result. 

I feel I have provided more than the required amount of time allotted by the FCRA for this dispute and NOW I am demanding this information be removed from my credit report. 

Please provide my XXXX corrected report with the required deletion this week.
Consumer complaint received 2019-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center (IL)

I was contacted by Premiere Student Loan on XX/XX/2018 & started a forgiveness plan with them. They told me my student loans would be lowered to {$2400.00}, but I had to pay them 6 monthly payments of {$190.00} and then it would drop to $ XXXX/month and I could not pay more than this.

I tried reaching out with questions regarding my student loans & interest & spoke with a FSA representative & they informed me that I was paying $ XXXX/month for their services that I wasnt actually received & that my student loans still reflected {$10000.00} plus interest.

I was later notified by the Bureau of Financial & Consumer Protection that there was a lawsuit against Premiere Student Loan.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I have addresses on my credit profile that are not mine. I live at XXXX XXXX XXXX, XXXX, OH XXXX My SS Number is XXXX and my DOB is XX/XX/XXXX. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.
Consumer complaint received 2019-12-27
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: Experian Information Solutions Inc. (CA)

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CT)

After learning that someone had access my profile and placed unauthorized delivery diversion instructions with a major package delivery company, once in XX/XX/2020 and then again in XX/XX/2020, I called/went online to request a freeze and get a free online copy of my credit report from Equifax and the other two major credit reporting agencies. In XX/XX/2020, I was told by an Equifax representative that I needed to submit a request and proofs by mail. I was told that the reason I needed to submit a written request with proofs was because I hadn't lived at my new address at least six months. Now, in XX/XX/2020, more than six months after I notified the post office and government of my address change, and nearly as long since I started using my new address at financial institutions and public utilities, I'm told by an Equifax representative ( only able to get through using my old address ) that I am still required to mail my requests and proofs, without any new explanation. I've had no difficulty placing freezes ( in XX/XX/2020 ) and getting free online credit reports with XXXX  and XXXX. My most recent XXXX  and XXXX  reports, generated XX/XX/2020, show my new address in the addresses section. XXXX  and XXXX  provided these reports to me online, through the XXXX website, in the same web session that I requested the Equifax report. I feel like I'm being singled-out and treated unfairly by Equifax, since the original reason Equifax gave for not providing the reports by phone/online is no longer valid, and they offer no new reason. When, years ago, I had an identity theft and tried to get a freeze and report from Equifax, and got the same response, only from Equifax and not the other agencies, about needing to mail proofs before they could do anything for me, so it doesn't appear to me that this is something new. I don't understand what causes Equifax to apply a different standard to me than they apply to some others - the most recent Equifax representative I spoke with said that not everyone is asked to submit their requests by mail and with copies of proof documents. Since Equifax only requires copies of the proofs, and not the originals, why don't they at least make it easier by allow submission of the copies online or by email? It makes me wonder if the company may be acting in such a way as to deter people from requesting these services from their company, while still conforming to the letter of the law.