davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am demanding that a reinvestigation of the inaccurate and misleading items I see reporting to my consumer report be reinvestigated as I believe a thorough investigation wasnt properly conducted pertaining to law. According to the FCRA Fair Credit Reporting Act [ 15 U.S.C 1681i ] Section 611. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. Failing that, the item must be deleted from the report as soon as possible. The listed items listed in my complaint are entirely inaccurate and incomplete, and as such represents a very serious error in the credit reporting agency effort to maintain an accurate report on my behalf as a consumer. Ive contacted the credit bereaus & the agencies directly on this matter and have yet to hear a response in regards to my complaint as its been well over the 30 day mark.
Consumer complaint received 2021-08-02
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. (OK)

I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them.

Under the FCRA i should be able to dispute these items with them.

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires
Consumer complaint received 2021-08-03
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. (NY)

As per my previous complain I was advised by CRA to contact them and give them authorization to conduct investigation .I contacted them on XX/XX/2021 and gave them authorization to conduct investigation. 
Since its not a first time I request such investigation I assume the CRA has already enough evidences that they received from the furnisher to confirm accuracy of the reported account. 
Therefore I demand them to submit to me all such correspondence from the furnisher to me by certified receipt mail and send such copy to CFPB as well. 
I demand CFPB to notify me in writing that they did receive evidences from the furnisher submitted by CRA to them.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

I recently pulled my consumer report and contacted equifax regarding false and erroneous inquiries on my report. I have done no business with these companies and would like this information cleared immediately.
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

On or around XX/XX/XXXX I visited my dentist at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) for routine cleaning. After service they recommended braces but I did not want that so they suggested a different product XXXX and told me my insurance will cover part and made me take a no-interest loan to cover the rest. After reviewing with my husband we decided this wasn't the right time since we could not afford it. We called to cancel but the office claimed since the order has been made they will not cancel. They proceeded to take the funds from the credit line from Synchrony Bank for {$2700.00} ( this has ballooned to {$3000.00} ). We started getting collection calls from the credit company but told them funds should be returned since no service was performed and asked that they stop the calls. Additionally, the dentist failed to diagnose a more serious issue ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that required surgery, and one that would have made the XXXX ineffective. 
To ensure I did not lose our lifetime Ortho dental benefit we reached the insurance company ( XXXX ) to notify them that no service was performed and asked that they investigate and restore our benefit. After investigating they sided with us and requested refunds from the dental office. They last reported to us that the refund is still pending. 
In XX/XX/XXXX, I received a notice of the filing of a warrant in debt from a third party, XXXX XXXX XXXX, XXXX represented by XXXX XXXX XXXX, XXXX, for a hearing on XX/XX/XXXX. 
I feel this is threatening and may have negatively impacted my credit rating as well. At this point, I fear that my family will be saddled with debt for service I did not get. If needed I can provide proof from my current dentist that at the time XXXX should not have been a priority. I can also show proof from my recent x-ray that my teeth are the same, healthier not because the XXXX eating the XXXX XXXXXXXX has been removed. 
I feel Synchrony Bank should have done more to recoup their funds since I repeatedly told them service was not provided.
Consumer complaint received 2021-08-02
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: Nelnet, Inc. (NJ)

review the following accounts that appear on my credit report, they are hurting me, they do not belong to me.

dentity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

4. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

5. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

6. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

7. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

8. Identity Theft DEPT OF ED/NELNET Account Number : XXXX This is not mine. 

9. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (WA)

AMEX account XXXX. 

This account is closed and paid in full, remove any missed payments from credit report immediately, we paid you XXXX in less than 2 months. 

We are done with AMEX except a potential lawsuit. This company is the absolute worst. 

While AMEX can not be responsible for all the behaviour of vendors swiping its cards, it is fully aware of the circumstances surrounding 99 % of its charges. It is fully aware of the number of issues, for example, that it may have had with a certain merchant, or the number of disputes filed involving similar circumstances. In short, AMEX knows exactly what is going on here, or at least the basics of it. They know these places are crooked. But they have done a calculation and decided that the headache of having to deal with disputes is worth the profits these criminals generate for them, because 99 % of the time, the criminals win, and if the criminals win, AMEX wins. 

But I got XXXX and XXXX. That isn't a " cost of doing business. '' That is unacceptable. To listen to someone say that happened to them, and then to still go after that last XXXX just to make sure I understand that I alone am responsible for my own XXXX? 

XXXX XXXX See you in court eventually.
Consumer complaint received 2023-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TN)

I secured a loan from Quicken Loans/Rocket Mortgage to purchase a home on XX/XX/23. Loan number XXXX for {$370000.00}. The sale price of the home was {$390000.00} and it was appraised at {$440000.00}. I originally put {$20000.00} down, 5 % of the mortgage, so PMI was required. Following the purchase, I sold the home I was living in and applied the proceeds, {$250000.00}, to my Quicken Loans/Rocket Mortgage account, reducing the loan amount to {$130000.00}. I have paid 65 % of the loan. My mortgage statement shows that I have a monthly payment of {$56.00} for PMI. When I called to cancel the PMI, I was told that I must pay it for a minimum of 2 years even though I have paid 65 % of my loan and my loan to value ratio is 32.85 %, clearly a low risk. Isn't this illegal under the Homeowners Protection Act? 
Please help.
Consumer complaint received 2021-08-03
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. (NY)

As per my previous complain I was advised by CRA to contact them and give them authorization to conduct investigation .I contacted them on XX/XX/2021 and gave them authorization to conduct investigation. 
Since its not a first time I request such investigation I assume the CRA has already enough evidences that they received from the furnisher to confirm accuracy of the reported account. 
Therefore I demand them to submit to me all such correspondence from the furnisher to me by certified receipt mail and send such copy to CFPB as well. 
I demand CFPB to notify me in writing that they did receive evidences from the furnisher submitted by CRA to them.
Consumer complaint received 2021-08-03
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. (AZ)

XXXX XXXX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXXXXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXXXXXX  Made on : XXXX Made with : Transunion Made by : XXXX XXXX  Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

I, XXXX XXXX, entered a consumer credit transaction with Synchrony Bank. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges. Consumer credit transactions do not require the exchange of federal reserve notes. Synchrony Bank has taken federal reserve notes every month since the initiation of consumer credit transaction. Synchrony Bank did not disclose all that was supposed to be disclosed to me during the consumer credit transaction like the opt-out option for third party communication pursuant to 15 U.S. Code 6802. Synchrony Bank have willfully and knowingly participated in abusive debt collection practices to I, the consumer which pursuant to 15 U.S. Code 1611 is a crime and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/XXXX DEPT OF ED Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-07-26
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 would like to report about identity theft because I am victim of identity theft. So this happened with me first time and I do not know what to do actually. I just want to ask for your support and that you can investigate this situation and I hope you will remove them from my credit report.
Consumer complaint received 2021-07-26
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft DISCOVER Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
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. (MI)

I have been disputing with Experian a collection account thats listed on my credit report. XXXX XXXX, XXXX shows an account in collections with them from a previous charged off XXXX XXXX XXXX  account that was opened with them in XXXX. I have no knowledge of ever having an account with XXXX XXXX XXXX  at that time and never heard of XXXX XXXX XXXX  until I opened an account with them in XXXX  XXXX. I first found out about this when reviewing a credit report as I am trying to purchase a house. On XX/XX/XXXX, I spoke with an XXXX at XXXX XXXX XXXX  and was advised that she saw no accounts in their system under my SSN other than the one opened in XXXX. I disputed this in XX/XX/XXXX with all 3 bureaus providing the same information I am submitting here. XXXX XXXX and XXXX  have removed this information within days of submitting that dispute. Experian refuses to remove this unfair, incorrect information from my report and is preventing me from qualifying for a mortgage. There reason for keeping it on is due to them saying the debt/account is validated. The only documents they can provide is statement copies. No signed contract or cardholder agreement.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AR)

I had a mortgage and an home equity loan from Wells Fargo. I was attempting to locate the dates of when the mortgage had taken two mortgage payments from my account but the credit unioXXXX was brought out by another payment credit union. In additional I was always being charged additional fees. I was finally able to refinance with another company but i was there for years with XXXX  from that company.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

Re : Wells Fargo Home Mortgage With reference to the above-mentioned Mortgage Company, I XXXX XXXX hereby wish to appeal the decision made by Wells Fargo to offer a Short Sale as the only option offered for keeping my home. 
I was afforded the opportunity to enter into a Forebearance arrangement due to the Pandemic which severely affected my ability to pay my mortgage as usual. 

Prior to the Pandemic Relief Program being initiated on my account, my husband lost his job which was the start of my hardships. This unfortunate situation was communicated to Wells Fargo who then allowed us to enter a hardship program. Whilst going through that hardship, COVID-19 struck the entire World at which point we entered into the Pandemic relief forebearance program. During the Pandemic, I lost my XXXX XXXX XXXX XXXX XXXX and within 7 months of her death XXXX XXXX XXXX XXXX XXXX XXXX. These along with other unfortunate situations was communicated to Wells Fargo, and created monstrous hardship for us, only to be told by Wells Fargo at the end of the Forebearance program that a modification was not possible. 
Of course, this news has left us now totally devastated as we were anticipating that Wells Fargo would have taken our circumstances fully into consideration and at least move our missed payments to the end of the mortgage and allow us to continue paying our monthly mortgage as we transitioned to normalcy once again. 
I consider the actions of Wells Fargo to be totally unfair and unreasonable, as I am now quite able to and have every intention to keep my home and every intention to continue paying my mortgage and meeting my obligation. We feel totally abused by Wells Fargo to say the least. Having paid tons of interest to the bank over the years and having accrued substantial equity, it seems quite unfair to have the rug pulled from under our feet without a reasonable option to recover by denying us a modification offer in spite of, the horrendous hardships we have been through during this very difficult time, is the reason I am appealing to your sense of humanity for your assistance on how to move forward in order to keep our home
Consumer complaint received 2023-03-09
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. (NY)

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 2021-08-03
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. (NY)

Once again, Experian is reporting incorrect negative credit information regarding my mortgage with XXXX Home Loan. They are stating we have been late for XXXX XXXX and XXXX, which I have consistently paid before the required date. There is a grace period which I have not gone past. Obviously no-one is going to pay their loan exactly on the XXXX of the month, and I am getting fed up with this consistently happening with XXXX, who happens to be my second loan lender. My Primary lender, whom I have been paying the same time each month never seems to show up as a derogatory report. this is totally unfair and is affecting my ability to apply for new loans. I want this to stop. Past last fees should not be included as late payments, especially since we have been paying then off a little at a time. This is totally uncalled for. This loan in the amount of {$67000.00} is not even a quarter of the value of the home. This seems to be an attempt to punish us for past complaints we have filed with both XXXX and Experian.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (KS)

On XX/XX/XXXX i reached out to XXXX, XXXX  and Equifax regarding some unauthorized inquiries that i found on my report that they are publishing. I submitted an FTC Report and an identity theft affidavit which i got notarized. These unauthorized inquires are still showing on my report and they haven't been blocked or removed even after i said they are unauthorized and un permissible by me.
Consumer complaint received 2021-08-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Submitted dispute with proof to have error removed from my report and its still there. Even though the company who originally caused the error sent proof that debt is not mine