davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-10-30
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. (NC)

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and further proceedings of compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written consent/authorization to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that furnishing data without consent is the same as committing identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (DC)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

My loan went from XXXX to XXXX ( {$57000.00} for undergraduates ) maximum Student loans Total balance : {$59000.00} DEPT OF ED/AIDVANTAGE Balance {$4000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$6100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$7000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5100.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$7400.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$3800.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1500.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$1000.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$140.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$830.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$3900.00} Balance updated XX/XX/year> DEPT OF ED/AIDVANTAGE Balance {$5900.00} Balance updated XX/XX/year> 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies : ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person this creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction
Consumer complaint received 2022-05-18
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. (NC)

In XXXX I attended XXXX University for XXXX semester. My former employer XXXX XXXX was supposed to pay for it but didn't. In XXXX I was laid off due to the pandemic. I went months behind in rent and then when I got back to good standing, I attempted to make payment on the tuition. I made one payment in XXXX of XXXX and in XXXX I found out that it was sent to collections. I paid off everything in full once I found that out. 

Recently I tried applying for a house ( to rent ), and I have been denied upwards of XXXX applications due to this situation being on my credit report. I check my credit via Experian and XXXX, and turns out this was sent to collections in XXXX of XXXX and I had no knowledge of it, no communication was sent to me stating this. 

I have submitted several disputes to both Experian and XXXX attempting to remove this and all they have done is shorten the collection time period to the month of XXXX. 

There has to be some way to get this removed from my credit report, I have exceptional credit history and this is denying me housing applications.
Consumer complaint received 2022-05-18
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX  and Account # 's XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S. Code 1681 Section 602 A. States I have the right to privacy 15 U.S. Code 1681 Section 604 A. Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-01-13
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. (TX)

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 2022-05-18
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. (AZ)

I wrote a letter to all 3 credit bureaus ( XXXX, TransUnion, and XXXX ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against TransUnion, XXXX, and XXXX and proceed in the removal of this account on my credit report.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

BANK OF AMERICA has been charging me a monthly maintenance fee when I was never told about a monthly fee nor is there a signature stating that I am aware of it and understand what it is. There contracts are bogus a f the use of my social security number being attached to my account is fraud when I can not be identified through a social security number. I want the monthly maintenance fees refunded and a complete contract for me to look over.
Consumer complaint received 2022-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (KY)

On XX/XX/2022, two payments were made on the account. One for {$8100.00} and another for {$8300.00}. This over-payment of {$8300.00} should have been refunded. 

Please note : a {$5.00} fee was applied on the payment that should not have been. 

After a refund was neither credited nor received, on XX/XX/2022, I contacted Prosper about the over-payment and was told by Prosper there would be a refund issued on XX/XX/2022 Further, I was told the refund should be received no later than XX/XX/2022. 

On XX/XX/2022, I contacted Prosper about the status, as the refund was still outstanding. Again, I was assured that the refund was sent. The agent on the phone stated this would be investigated.

After there was no contact from Prosper about the matter, I contacted Prosper o n XX/XX/2022 requesting an update. No status was given and told again that the matter would be escalated.

On XX/XX/2022, I contacted Prosper for another update. Prosper claimed that a check was issued on XXXX to XXXX XXXX . After several hours of various calls to Prosper and XXXX XXXX XXXX, XXXX XXXX reported no record of a mailed check. Despite Prosper case numbers the follow-up on cases XXXX and XXXX, neither the requested check number, nor the mailing address for the refund check was ever provided. 

On XX/XX/2022, received an email from Prosper stating We have not sent the check back to XXXX XXXX  yet, but we are in the process of getting approval to send this check and we will provide you with all the information once we do have approval to do so.
Consumer complaint received 2017-06-30
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. (GA)

On XXXX-2017 I received a notification via my XXXX XXXX account that the XXXX XXXX was deleted from my credit report after a dispute, however it still shows on my report and I would like to be removed.
Consumer complaint received 2019-01-28
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 recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.
Consumer complaint received 2022-05-18
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. (MO)

XXXX XXXX shows incorrect information on my Transunion and XXXX reports. On my XXXX  Loans they show I have 7 Loans but I only have 5 loans which I verfied on FSA. Both agencies have the same loan on my report 3x. I have filed a dispute more then once regarding such yet it is still not accurate. Also some of. the XXXX Loans are 12 years old and still showing on my report as a negative mark. Yet my reports show my oldest account only being 5 months old. Therefore ensuring said accounts only hurt my score. Also my score has been brought down over XXXX points since XXXX due to none payments on my XXXX  Loans. Yet all XXXX loans have been placed on hold since XX/XX/XXXX of XXXX and continue till XX/XX/XXXX, which is still three months away. When they failed to correct such through the online disputes I attempted to contact the agencies via telephone. During the call I was informed the call may be recorded on their end yet when I informed the agencie I was also recording even though in my State of Missouri I did not have to, they refused to speak with me and hung up on me.
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (FL)

XXXX XX/XX/2022 I need clarification as to why you are reporting certain information on my credit report. Please review the following : Account name : XXXX XXXX  Account number : XXXX High credit is lower than balance. Delete for inaccurate reporting. 

After you have finished my request, send me a copy of my credit report reflecting these changes XXXX XXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

XXXX XXXX withdraw from Bank of America my checking account - {$4900.00} through XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Someone use my name & address to apply business account through Rhode Island Department of revenue XXXX
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (OK)

I refinanced my mortgage through Quicken Loans in XX/XX/XXXX. i alone applied and received the mortgage though I am married. Upon getting married and my wife selling her home, her credit score dropped and her credit card maxed her interest rate to 29.99. She reorganized through bankruptcy and is paying her creditors. XX/XX/XXXX, Quicken Loans blocked all of my access to my account which I had always administered online. They would not allow me to see any data or make a payment. Every month for 8 months I called and got the run around for hours until I got tired and it would all begin again the next month. I would send a check to pay my payment on time. They contended that it was because I had declared bankruptcy and I had not, my wife had. She is not on the note anywhere, but they did n't care. I have sent emails and paper letter to them asking to have my information sent to me on paper, as they suggested, but they never responded to that request. They claimed it was software and 8 months later, I was able to do transactions online again. No explanation or correspondence. It just started working. 
My loan originated in XX/XX/XXXX and when I went online to pay my payment, it had gone up XXXX dollars. I tried to view my insurance, tax and escrow information and I was locked out with a note to call them. When I called, they brought up the bankruptcy again and told me that they did n't have to provide me with any information due to that, but the would read it to me over the phone. Neither my insurance company nor my mortgage company sent a notice of the increase in charges. I asked for an escrow analysis to be sent to me and they refused. The latest person to talk to me about it is XXXX XXXX, Quicken Loans Client Relations. XXXX XXXX was the originator of my loan and has never been helpful beyond that point. XXXX XXXX Social Media Advocate said it was a software glitch the first time it happened, but never did anything to fix it. I believe that it is illegal to not keep me informed of changed in my escrow account and would appreciate feedback. I have email from some of these events, but they are not answering me at this time.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NV)

I contacted Caliber Home Loans to take advantage of low-interest rates and re-finance her home loan. For the past 8 months, XXXX has either lost information or passed the information to different departments whereas they keep asking me for the same information that she has submitted several times. The loan was supposed to close escrow in XX/XX/XXXX and yet, in XX/XX/XXXX they keep asking for the same information. 

XX/XX/XXXX : I contacted Caliber Home Loans to start the refinance process and submitted an application. 

XX/XX/XXXX : I submitted all paperwork requested. 

XX/XX/XXXX : Title company contacted me regardng process. 

XX/XX/XXXX : I signed disclosure statement and locked in her loan rate. Sent payoff request form and title information to title company. Later in XXXX, the title XXXX called to let me know that escrow would be contacting me directly to set up a date to sign loan docs. The title officer said the title was the last issue to resolve before closing escrow and since everything looked good, there would be no other delays. 

XX/XX/XXXX : Still waiting to sign loan docs, no one from XXXX contacted me so I called XXXX asking what the status of the loan was. The loan XXXX I was working with transferred to another department and he had to transfer his loans to someone else and had caused a lot of issues at XXXX at no fault due to me. He said he would get the loan docs ready as soon as possible. I re-sent current paystubs and bank statements that XXXX requested. 

XX/XX/XXXX : XXXX sent new disclosure statement that was inaccurate from the loan lock that I signed in XXXX. It was incorrect because it showed me paying points when I was not paying any points when I locked in her loan. I contacted the loan officer and he said there was a " glitch '' in XXXX 's system and that he would fix the problem and send a new disclosure statement. 

XX/XX/XXXX : Still waiting, I received an email from a second loan officer at XXXX stating that now she needed to again, for a 3rd time, to send additional documentation. I contacted my original loan officer telling him this was ridiculous and why do they keep asking for more paperwork when the loan should have closed in escrow in XXXX. He said he expedite the loan process. 

XX/XX/XXXX : The second loan officer called and emailed me again asking for one year 's statements of evidence that I had been paying my mortgage. Why? I authorized the title company to request a payoff from her lender back in XX/XX/XXXX. I spoke to the original loan officer and told him I have exhausted all my efforts with the loan. 

I believe XXXX is harassing me. I have, multiple times, given the paperwork asked for by XXXX and they give no explanation as to the delay in closing the loan.
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (OH)

I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. XXXX is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.