davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2023-01-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (SD)

We have been trying to get a mortgage assumption application package from AmeriHome Mortgage since the last week of XX/XX/2022. We received from them Form XXXX which we completed and emailed back the same day, on XX/XX/2022. Their website states that once this completed form is received, there is an application package that is sent out. We have called several times to check the status and each time, they send the blank Form XXXX to us for completion. We have received this form six times now and sent it back completed XXXX times. We still have not received the correct package to start our mortgage assumption. Ive asked that they email it and/or post it in the document center that is in my online account profile. They refuse stating that it must be mailed. This form should be available either in a customers document center or on their website. We have moved out of the home in XXXX and relocated to South Dakota. We are currently paying our mortgage as well as rent for our apartment, which is as much as the mortgage. We are out of money in our savings and need to get this process moving along before we are forced to foreclose on the mortgage. We have a family that wants to assume this mortgage who have already been approved for an amount greater than the balance on our mortgage, so there shouldnt be anything holding us back. This is a VA mortgage, which as a benefit to XXXX, is assumable. We have both called multiple times and each time the customer service person that we speak with tells us something different, from someone will call you within three days ( which has not happened yet ), to weve mailed it to you, to we dont do mortgage assumptions. This is the worst customer service Ive ever received anywhere. Sadly, customers dont have a choice when banks buy loans. If wed had a choice, wed have done research on them first. There are horrible reviews online about AmeriHome. They have reported that an assumption takes XXXX days, which I understand, However we are now approximately 30 days in from their initial receipt of our completed XXXX form and nothing is moving.
Consumer complaint received 2023-06-24
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. (VA)

Under Law ( 15 usc 1681a2 ). All three-credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be on my credit report. I never done any business with this company ; nor did not give written permission to have this account furnished on my credit report.
Consumer complaint received 2023-12-11
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. (FL)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XX/XX/XXXX we purchased a XXXX XXXX fuel cell vehicle from our local dealership. The vehicle takes hydrogen fuel. During the purchasing process I inquired about availability of hydrogen fuel and was told ( quote ), " There are three stations in the area and two more will be opening by the end of XXXX. Getting hydrogen is not a problem. Its just like going to get regular gas in any other car ... '' ( end quote ). 
Well, this is simply not true. I decided to track the three fueling stations in my area. In a one year period ( XX/XX/XXXX to XX/XX/XXXX ) the fueling stations have been down, for various reasons, for a total of 235 days! That's almost a full year of unavailability! 
During this time I have only been able to use my XXXX, which is my only vehicle, a total of 8 months! That means it has been sitting in my garage, unable to use, for 4 months! And now, in XXXX of XXXX, all fueling stations have been down a total of 16 days. In just one month! 
So, I have a car I can not drive but I am paying a car payment on. 
I contacted XXXX on multiple occasions. They have offered to pay for a rental, but there are NO rentals available because the XXXX owners have rented all of them out. So, I have no transportation to get to a brand new job ( I was out of work for 6 months while still making my car payments ), no way of refueling my vehicle, and the only option is to get a rental and pay for it out of my own pocket ( which I can't do since I have been unemployed ). 
Toyota Financial Services will not offer any payment relief, even though this is not my issue nor am I the cause of the problem.
Consumer complaint received 2023-01-23
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. (MI)

To Whom It May Concern, On XX/XX/2023 I Mailed XXXX And TransUnion A Dispute Letter Regarding Unauthorized Inquiries Reporting On My Credit Report. XXXX Wrote Me Back On XX/XX/2023 & TransUnion On XX/XX/2023. Stating That These Inquires Are Factual, WITHOUT Providing Any Names Business

Addresses Or Phone Number On Those Who Made Unauthorized Credit Inquires So I May Contact Them Directly. I Never Authorized Such Action & This Constitutes A Violation Of My Rights Under The Fair Credit Report Act 604 As Well Violations Of My Rights To Privacy. This Is Not A Request For A Reinvestigation.
Consumer complaint received 2023-01-23
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. (LA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please remove the items in my credit report that are causing problems with my records. 
Remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ;
Consumer complaint received 2023-01-23
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

A company from XXXX is selling products on XXXX as an American looking company which scammed me for $ XXXX. I have submitted a complaint in XXXX XXXX and XXXX about this and my bank refused to issue this money back to me. The bank is stating that if I send back the incorrect merchandise the merchant will process the refund. It costs {$150.00} to send the incorrect item back which is more than the item itself. I ordered a XXXX item and the company purposely sent me a package that weighed XXXX. 

I asked the USPS service to confirm the tracking number and after their investigation they determined that this is fraud/scam.
Consumer complaint received 2023-03-01
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. (TN)

I saw a late payment on my credit report from XXXX XXXX XXXX that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. This is reporting correctly on my XXXX, but not reporting correctly on XXXX and Experian. 

From the picture attached, one can see that XXXX is reporting multiple different account numbers, with incorrect account statuses. 

I demand this be updated to paid as agreed, never late, on time on all 3 credit reporting agencies as this is holding me back from being able to advance in my life.
Consumer complaint received 2019-12-20
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)

I am a victim of Identity theft. I requested copies of all of my credit reports as directed by the FTC.. I mailed Experian a Dispute and letter along with a large packet of supporting documentation. to correct & remove along with police reports and FTC IDENTITY THEFT REPORT on XX/XX/19. on XX/XX/19 aprox 11 days later, I received a form letter from Experian that they " were unable to honor your request '' no explanation, no reason, just that they were not doing it. I sent XXXX  and XXXX identical packets of Documentation and they corrected and removed Fraudulent information and errors. Along with the identity theft I discovered Astronomical amount of errors on my Experian Credit report.Numerous random name variations that I do not use. Incorrect name spellings.9 different addresses for me that I have NEVER lived at, Some of these addresses do not even exist. I sent in my last 24 years of drivers license as proof of the ONLY 2 homes I have lived in 24 years! Information shared without consent.Credit inquires from unknown sources. XXXX XXXX a party to this identity theft due to thier stolen check with my pre- printed information on it, Stated to me that they were sold my personal information by Experian and this is how they came to send me a pre printed check for a loan that I did not request! that was stolen. Outrageous practices.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (CA)

I sent a letter to XXXX, XXXX, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights.
Consumer complaint received 2023-01-23
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. (CA)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

My paycheck & my XXXX sons Ssi benefits are direct deposited to the bluebird amex prepaid account. I have not been able to use the card for 2 days. Everything that I ordered online for my kids for XXXX has been canceled. I am a single mother with XXXX kids and i have no access to any of my paycheck or to my XXXX child 's funds 4 days before XXXX. This is unacceptable.
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. (SC)

XXXX XXXX To Whom this may concern, I am writing to Correct My personal information on file with your company.

Please update my only address and remove all other addresses as they are not recieveable to me usps I dont know who these addresses belong to remove all other addresses and update my address
Consumer complaint received 2019-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (WA)

I paid my account in full on the due date with my debit card, yet I was charged late fees for months after the debt was paid in full, plus interest on the fees. The payment due date was XX/XX/2018 and I made the payment on XX/XX/2018 and was charged a late fee on the due date of XX/XX/2018. As a result they have ruined my credit because they reported late payment on the fees and interest charged even though my account was paid in full on the due date to all three credit bureaus. Furthermore, I am XXXX XXXX XXXX   and the hours I have spent trying to get this resolved has caused significant stress/anxiety. I am also requesting that XXXX XXXX not contact me via telephone and to communicate via mail only.
Consumer complaint received 2021-09-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I applied for a loan w XXXX XXXX / Roundpoint Mortgage after being declined for a mortgage by XXXX XXXX that shouldn't have been pre approved, mid sale, trying to make the sale work. XXXX preapproved me at the end of XXXX. 

In mid XXXX, XXXX communicated with me that my FHA loan was not being approved in underwriting due to my father ( co signer ) income on his rental properties. After he and underwriting could not come to a decision between themselves, my mortgage was escalated to the FHA. On XXXX XXXX XXXX advised me both on the phone and in writing via email that the FHA would not insure my mortgage and my loan was denied. He told me he would email me the denial paperwork on XXXX XXXX. 

Despite XXXX saying he would send the denial on XXXX XXXX, instead of sending the denial document, he sent me an email requesting that my father sign a *mortgage application* form even though we had signed it online together the week before and the mortgage was denied. When I emailed that I was not comfortable getting an application form signed after being told I was denied, XXXX responded via written email, threatening that if I did not provide the signed form, my application would be marked as withdrawn and I would not be given denial documents. Despite my instinct that it shouldn't be done, I got the form signed and returned it for fear XXXX would say I withdrew my application which would be breach of contract and make me liable to seller costs and financial loss. 

XXXX continued to repeatedly tell me that he would get me the denial doc at a later time, despite me following up on his provided tike frame. I also have an email from his supervisor on Thurs XXXX XXXX approx XXXX confirming my denial and that a denial document would be provided. 

Fri XXXX XXXX approx XXXX, XXXX emailed out of the blue that my mortgage was magically approved and issued a written commitment, despite there being no appraisal completed on the property. 

This has legally boxed me into the sale on a mortgage that could still fall through if the house does not appraise correctly, despite appraisals being done prior to a commitment. Additionally, neither XXXX or Roundpoint will clearly answer why there was a sudden reversal without communication or what factor caused the reversal at all, which seems extremely sketchy. And I have to follow through with this sketchy seeming mortgage or possibly get sued by the seller for breach of contract. 

I contacted Roundpoint 's customer service XXXX  email multiple time requesting if they could advise if issuing a written commitment w/o appraisal was their standard operating procedure, and if not, why an exception to procedure was deviated on my loan. I have received absolutely no response. 

This is sketchy, predatory, and has no ramifications for the loan company, but I could and have suffered financial loss in this process due to mortgage brokers not following rules, and I stand to live in a stressful state of not getting a mortgage despite having a " commitment. ''
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I show a bankruptcy on my credit report XXXX XXXX XXXX XXXX  XXXX with a Reference # XXXX. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
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. (NJ)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-01-23
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.