davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

I tried to open a checking account and found out it was a account reporting to the XXXX from XXXX XXXX XXXX. I never had a account with the company and asked for it to be removed, I faxed in my police report to XXXX and it hasnt been removed.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-12
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. (CA)

My complaint is against Equifax and XXXX credit bureaus. They are both reporting 2 accounts that had fraud charges. The first account is from XXXX XXXX XXXX, account # XXXX open XX/XX/2013 and the second account is from XXXX XXXX XXXX, account # XXXX date openXX/XX/2013. I already tried disputing this directly with the banks but refuse to delete accounts. I have been a victim of fraud charges therefore this information has to be deleted as soon as possible. The FACRA requires you to block the fraudulent information from my credit reports resulting from FRADULENT CHARGES within 4 days and promptly notify the business that sent you that information.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-29
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. (FL)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate.By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Consumer complaint received 2023-05-09
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. (MA)

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 and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (PA)

I purchased a Western Union ( WU ) Money Order # XXXX for the Amount of {$440.00} at the XXXX XXXX   Store located on XXXX XXXX, XXXX XXXX Pa, XXXX in XX/XX/2018. 

The money order was rejected and send back to me. I contacted Western Union for a refund. I was told to send a copy of my particular and the stub. I mailed in the requested information but until now I have not received my refund. 

Every time I call customer service @ Tel : XXXX as I'm instructed to do on the Money Order I will be told there Amount of {$440.00} " Can not be located ''. I tried the check account number # XXXX but to no avail. 

I'm asking that you please use the services of your good office to help me get back my money ( refund ).
Consumer complaint received 2023-05-09
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. (NY)

I made a complaint against Experian on this site but after 2 months of delays, Experian responded " we were unable to process your dispute, as it was not specific. '' I will make specific points over multiple separate complaints to make this easier for Experian to comprehend. 

This is regarding the recent dispute filed against XXXX by me in which you amazingly took XXXX 's side. I need to know what was done in this dispute/investigation. It is outrageous that you blindly trust XXXX, who is giving you false information you are passing on as libelous fact. I want to know what information they gave you to prove that " I '' moved to XXXX XXXX ( never set foot there ), signed up for service ( of which XXXX will not even tell me what services might have been provided ), and probably never paid, but they kept it going for around 9 months to total {$1900.00}. All while having home services at up to 2 other locations with different providers ( 1 is correct ). XXXX even finally just admitted that their account linked to me was fraud, but XXXX is being incredibly obstinate ( we will eventually see if you removed this false XXXX provided address from your records ). XXXX even allowed this account to be opened even though I have fraud alerts, AND credit freezes with all credit firms, yet you seem to ignore the obvious negligence of XXXX. AND THIS IS THE SECOND TIME XXXX HAS DONE THIS TO ME -- Look up 2019 which they admitted was fraud after I jumped through their hoops last time this was done. Why in the world would you trust XXXX? Will their be any penalty against them for providing you with false information? 

On your website it only says I have to call for details. Why? Put it in writing so I can share it. 

Attached is the 2019 fraud confirmation XXXX assisted in.
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

I have a mortgage with Statebridge Company ( NMLS ID # XXXX ). It is for a small condo in Florida where I live. The loan was originated by XXXX back in XX/XX/2003. My principle and interest payments are {$430.00} per month. Until last year, my escrow payments were about {$60.00} a month for taxes only. Since the property is a condo, the property insurance comes out of my HOA fees. Last year, Statebridge required I show them that I already have property insurance even though Florida Condo laws requires the HOA cover the structures. When I didn't provide proof fast enough, they forced insured me. Once they accepted my insurance certificate, they reimbursed my account. However, they haven't adjusted my escrow payment of {$280.00}. Their projection of my property taxes is {$64.00} which means they are collecting {$210.00} more than what is needed. 

I have tried to get them to adjust the amount but they won't respond. They also won't count my payments unless the entire amount including the escrow overpayment is included.
Consumer complaint received 2023-05-09
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. (NJ)

I simply asked for an examination of the disputed items since I believed the credit bureaus did not sufficiently look into my dispute. The three credit bureaus ' records show that it was false. The three credit bureaus need to replace the following information from my file because the credit bureau 's inspection was done erroneously. 
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 2021-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation (MO)

I have discovered this company reporting inaccurate information on my credit report, and after sending them several disputes and receiving nothing at all, I have also discovered it is my right to demand and RECEIVE validation. They have violated my rights as a consumer and I need your help!
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (FL)

Back in XXXX of 2018, I applied for a home loan with BBVA Compass,  when my income was three times less than it is now, and I got approved, but we were not able to close due to some FHA stipulation on gifted money. I was told by Manager XXXX XXXX, that in six months I could get the loan. I recently re-applied for the home loan with again, but this time I got deny, although my credit is XXXX and my income is much 3 times higher, I still got deny. The loan officer XXXX XXXX said the reason was because on my taxes the financed property does reflect as my primary residence. I asked to have the loan re-processed as an investment property instead, but I have not heard from anyone on the matter. The loan officer said she will re-summit the application as an investment property, but I have inquired on the status by emailing my loan officer on multiple emails, but she has not updated me with any information ; whether the application is being reviewed or no. I have also tried to reach out to the loan department manager XXXX XXXX on many many occasions, but he has not been professional enough to acknowledge my calls or have someone else follow up. I dont know what to think about BBVA and  how inconsistent this bank is regarding costumer communication. Two days ago I called and spoke to a XXXX XXXX and she sworn to me that she was going get more information on the matter, and that she will get back with me herself or someone else, again, no communication. I havent heard from her or anyone. This bank lacks communication quality and has a very poor customer relations. 

Loan application number is : XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

In speaking with Union Bank about refinancing, I was only information gathering. A few weeks later, I decided to move forward but with a different agent. The first one, XXXX XXXX, in their XXXX, AZ office, I felt was pressuring me to commit very quickly ; I now believe it was because she was trying to commit me to a 4 % loan just days before the rates dramatically lowered. When I then spoke with someone in XXXX, CA, he told me she had locked in that rate and there was nothing they could do for 90 days!! I did not agree to a rate lock. I did not authorize this girl to do so and now they were claiming because she did there " is nothing we can do. '' A couple days later I started getting calls/emails from 3 people ( XXXX XXXX and XXXX XXXX in XXXX ) and XXXX XXXX in the XXXX office. XXXX admitted in an email that this girl locked in this rate with no authority or consent, but all 3 have refused to apologize or quote me anything better than this horrible rate. Then I got a call supposedly from someone from the " office of the president '' but the president was not identified. I returned that call, got voicemail and no one returned the call. 

All in all, I feel Union Bank was clearly committing fraud and using deceptive practices and when they were found out, they refused to apologize and make good. Truly a horrible, horrible bank.
Consumer complaint received 2019-06-14
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. (PA)

I requested my annual report and it said i was unable to get access to it. I tried to get it XX/XX/2019 i then call both companies and they werent able to help me.
Consumer complaint received 2022-02-02
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2019-08-29
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. (OR)

Consumer Financial Protection Bureau failed to do what my taxpayer dollars paid them to do. I filed a legitimate complaint against Transunion, complaint # XXXX. CFPB received a non-response from Transunion that did not address any of my concerns. CFPB closed my complaint after receiving this non-response. If CFPB has no authority to make Transunion do the right thing, then I would like to know why they exist.
Consumer complaint received 2019-06-14
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: Experian Information Solutions Inc. (MD)

I attempted to reach Experian to receive my free credit report on XX/XX/2019. 
I used three different telephone numbers, one of which I obtained from FTC ; the other two from the official Experian website. 
Their consumer call center asks for identifying information, then promptly offers only two options, neither of which are applicable. 
There are incorrect addresses as well as variations of my name that are incorrect, along with other questionable information. 
There are no phone options to address any of these. 
In addition, Experian did not display my free credit report. 

I believe that this is a right of consumers. 

Thank you for your attention.
Consumer complaint received 2023-05-09
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have using XXXX XXXX to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to XXXX 's. Lenders are not interested in helping me get pre-qualified now. 

An XXXX representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report. 

XXXX  cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

Transunion shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.
Consumer complaint received 2024-02-10
Product: Credit reporting 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. (AZ)

I recently looked at my credit report XX/XX/year>. I saw many hard inquiries that did not have permissible purpose. I have attached evidence. 

XXXX. The following inquiries have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 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 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 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 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 2019-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

PNC knowingly and deliberately stalled and withheld disclosures until the last possible moment knowing of an urgency of an event on XX/XX/2019. Application was filed on XX/XX/2019. No Truth in lending disclosure was ever issued. Appraisal took over 4 weeks to complete a `` drive by ''. XX/XX/2019 I was notified that the loan was ready and would be closing on XX/XX/2019. At that time I strongly requested a hard copy of the terms of the loan to no avail. Day of closing I was informed of a mandatory Checking account requiring a minimum balance of {$500.00}. When I refused they increased the interest rate of the loan in leu of an account. Without a disclosure or anything tangible I refused to sign in fear of other penalties and fees not previously mentioned. These tactics are nothing short of predatory.