davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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. (MO)

Please note, this is not a duplicate complaint and I'm not using any third party for this matter. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I have filed FTC report for this matter and have included in this package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
These hard inquiries must be removed from my report immediately 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 I have included my verification information such as copy of driver license, proof of address, copy of SSN.
Consumer complaint received 2022-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

XXXX XXXX dept of taxation waived my XXXX real estate taxes due to my age and having met the qualifications for the REAP program. On XX/XX/XXXX the taxes were returned to Carrington Mortgage for return to my escrow and then to me. As of today XX/XX/XXXX no one can tell me were my money is at. Can not seem to find any answers. Investigation started in XXXX due to complaints lodged and was to be completed by XX/XX/XXXX. XXXX Va confirmed that Check was received XX/XX/XXXX. As of the date of this filing I have received no answers!
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX I bought a car in XXXX  because of separation because my ex exposo he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to bu
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

My husband of 45 years died on XX/XX/XXXX. On XX/XX/XXXX I began notifying various entities of his death. When I notified Citicard MasterCard, they closed my account, saying he was the primary cardholder. When I asked how that happened, they said he must have opened the account first and added me later. I am sure that is not true. They also told me it is a state law that they had to close the account. We had this account since 1988 and the payments came from my income. I am shocked that they took the occasion of my beloved husbands death to close my account. We never made a late payment or even paid interest since the account was opened in 1988.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A collection company, XXXX XXXX is showing opened account date of XX/XX/2018. This is not correct as that is the date the debt was purchased from XXXX XXXX XXXX XXXX XXXX. Additionally the amount is incorrect. I have requested this be corrected but it has not.
Consumer complaint received 2022-03-11
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. (GA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-05-07
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. (WA)

XXXX is a once a year chance to obtain and review a free copy of our credit report. However, this year, the site inexplicably fails while trying to obtain each of the 3 reports. Each Credit Agency gives an error without explanation, and suggests a mail-in report instead. 

This is the first time this has ever happened to me, and discourages consumers from exerting their right to see their credit report once a year. 

Credit agencies should be required to actually provide the report online in a convenient format as intended by the website. Else they are simply pushing consumers to pay for access to their own personal credit information.
Consumer complaint received 2019-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX is a once a year chance to obtain and review a free copy of our credit report. However, this year, the site inexplicably fails while trying to obtain each of the 3 reports. Each Credit Agency gives an error without explanation, and suggests a mail-in report instead. 

This is the first time this has ever happened to me, and discourages consumers from exerting their right to see their credit report once a year. 

Credit agencies should be required to actually provide the report online in a convenient format as intended by the website. Else they are simply pushing consumers to pay for access to their own personal credit information.
Consumer complaint received 2018-10-22
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: Experian Information Solutions Inc. (IL)

I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. XXXX  continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage in XX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXXXXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX XXXX. They confirmed the issue with incorrect credit reporting is with XXXX   and Experian. My credit score should be well above the XXXX mark at this time.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (VA)

XX/XX/2019, was contacted by American Express to set up payment arrangements to pay final XXXX. 

Prior to discussion a statement was read, effectively stating my state of Virginia wont let them collect this debt any longer. 

American Express is still supplying a late notification to credit agencies lowering my credit score.. I advised the representative that I am on XXXX and due to statement read didnt want any further communications and requested debt be written off, due to length of the debt and my states regulations. 

Please advise
Consumer complaint received 2019-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage has known for years that I divorced the other co-borrower, and I have sent them documentation that I am the sole owner of the property since the divorce in XXXX. I finally refinanced this month to remove my deceased ex-husband from the loan. Freedom Mortgage sent me a refund check for escrow that I paid, but they sent it in both my name and my ex-husband 's name. They refuse to issue the check in my name only, even though they have known for years that I am the sole owner of the property. By issuing a check that is impossible for anyone to cash, they are illegally holding money that is lawfully owed to me for escrow overages that I alone paid in the amount of {$1900.00}. I do not have a copy of my ex 's death certificate, as we divorced years prior to his death and the property was already deeded to me, and awarded to me in the divorce. On XX/XX/XXXX Freedom Mortgage told me even with the death certificate, they will not re-issue the check in my name only.
Consumer complaint received 2022-03-11
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: Neon Newco Corporation (TX)

We cashed a check at a check cashing place who had to put most of our money on a prepaid Netspend card. No issues at first until they put a hold on our card. We called and asked why. We were told the hold was placed due to my wife having a balance of XXXX with netspend years ago or so. She agreed to pay the {$100.00} and we were told the card would be usable again in 24 hours. Its been XXXX hours. They are holding over {$8000.00} due to {$100.00} balance that, again we agreed to pay. 
We have been hung up on. Ignored. Lied to repeatedly. To hold {$8000.00} hostage over {$100.00} debt that was taken out already should be investigated. We still have no details on where the {$100.00} hold could come from. We have nothing not even an explanation.

Please help stop this from happening to the next person
Consumer complaint received 2017-06-19
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: EQUIFAX, INC. (GA)

Since I submitted the original complaint  XXXX , the egregious error have tripled with over {$170000.00} of credit removed from my report. Below is the letter sent to Equifax in great detail.
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I am a authorized user on several of my husbands accounts. During the month of  XXXX , Equifax has removed every account that I am a authorized user. Before the month of  XXXX , Equifax reported all authorized accounts correctly. My accounts are being correctly reported on   XXXX   and   XXXX   XXXX  .
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In an effort to correct this error with Equifax, I called several times over the last couple of weeks and spoke to numerous people at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. In the 20 hours on the phone with Equifax some representatives were unwilling to listen or help. I called EVERY creditor impacted and they assured me that I was being reported to all   XXXX   bureaus every month.  XXXX  and   XXXX   sent mid month updates which was reflected on my husbands credit report but not on mine. The accounts that were removed on my credit report for the month of   XXXX   are :   XXXX   XXXX   XXXX   Credit Limit   XXXX      XXXX   XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX  . Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX    XXXX   XXXX   XXXX   Credit Limit.  XXXX    XXXX   XXXX   XXXX   Credit Limit  XXXX   XXXX  Credit Limit  XXXX    XXXX   XXXX   XXXX   XXXX  . Credit Limit   XXXX    XXXX . Credit Limit  XXXX    XXXX   XXXX   Credit Limit   XXXX   In total Equifax has removed {$170000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when at least 12 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. This has impacted my ability to apply for credit for a car I am purchasing. I live in  XXXX  Georgia and many lenders pull credit with Equifax since we are both located here.
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Your immediate attention is needed to resolve this horrendous error made by Equifax. I have been unable to dispute this issue via your system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit report.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

About 18 years ago I had a mortgage with XXXXXXXX XXXX. They securitized and sold it to another servicer, but retained my PII. A few years ago, I was notified that my SSN had been compromised and offered identity theft protection services through XXXX. This week, I received yet another letter from XXXX that it happened again. I don't understand why my information was held in their system so far beyond what is legally required. I want it removed from their system and am writing to the CEO as well. Please investigate their practices. Clearly, they are not managing customers ', or former customers ', personally identifiable information in a way that conforms with best practice.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NY)

When XXXX went out of business and consumers had credit cards issued through XXXX XXXX we were not offered the ability to have the interest rates lowered. As this company is no longer in business, and consumers are no longer able to utilize the credit card I had asked to have my interest rate reduced. I received the following information on XX/XX/2019 : If XXXX XXXX  does offer a lower APR, to be eligible, an account must : Be active Have a regular purchase pattern Receive payments on time each month Meet the minimum available credit criteria At this time, your account does not qualify for a lower APR, due to not meeting one or more of these requirements. 

There are several problems with their response : Be Active : account was until XXXX went out of business Have a regular purchase pattern : there was, but not now, as business is closed Receive payment on time each month : In the years I had the card, late maybe twice So, basically because the business is no longer functioning the consumer is unable to get a reduction in interest rate. I think this is abhorrent and once a company goes out of business interest rates should be reduced as the consumer no longer received service from the company.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I made a purchase using my Bank of America Credit Card back in XX/XX/2022. It was a purchase with XXXX XXXX. I immediately canceled the purchase, document the person name, the reference number, etc. My Bank gave me a credit of {$59.00} on my account ending in XXXX, Case number XXXX. The merchandise was returned to XXXX XXXX facility in XXXX, Florida, XXXX, on XX/XX/2022 at XXXX. Now the Bank wants me to continue to respond to the the company, this is over a month later. I received the letter XXXX XXXX and have by to respond by XX/XX/2022, which is not enough time.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

Currently have a current and paid up to date mortgage FIXED RATE MORTGAGE with Carrington Mortgage Services , LLC . Received an advertisement email dated XX/XX/2019 at XXXX Hours CDT stating " Our records show you are still carrying an adjustable-rate on your mortgage. As your mortgage servicer, we strongly encourage you to consider moving this to a fixed-rate, as it may greatly benefit you. '' I have NEVER consented to changes in my mortgage terms, and this mortgage company is stating their records indicate I have an Adjustable Rate Mortgage of which I never consented to.
Consumer complaint received 2022-07-10
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: FactorTrust, Inc. (TX)

XXXX and Factor Trust consumer center you state that you do not report to anyone but you also state that XXXX gets information from you I understand XXXX owns you but but XXXX is using your information you get from where ever that makes you a consumer credit reporting company { right } enclosed are documents that you provided to XXXX that you state you dont keep .I request that all information on myself be frozen at one, you state it can not be frozen we have a { right to privacy law } that was enacted this year FREEZE any information about me at once use the FCRA to contact me about this
Consumer complaint received 2022-03-11
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 was the victim of identity theft and have been attempting to resolve issues that have now gone on for several years and there are still some items that the credit bureaus and creditors are not removing. I have filed a FTC Identity Theft Affidavit and provided such to all three consumer reporting agencies and the creditors. 

The remaining items I have not been able to get help in resolving are : 1. XXXXXXXX XXXX XXXX, Acct XXXX, Open XX/XX/XXXX and XXXX XX/XX/XXXX which shows a charge off of {$4200.00}. This is not mine and I have provided all parties documentation of this identity theft. 

2. XXXX XXXX XXXX XXXX : Line of Credit XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$26000.00}. This is not mine and I have furnished all parties documentation. 

3. XXXX XXXX XXXX XXXX : Credit Card, XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$6300.00}. This is not mine and I have furnished all parties documentation. 

4. XXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$4400.00}. This is not mine and I have furnished all parties documentation. 

5. XXXX XXXXXXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$14000.00}. This is not mine and I have furnished all parties documentation. 

6. XXXX XXXX XXXX : Credit Card XXXX, Open XX/XX/XXXX, XXXX XX/XX/XXXX, Charge off {$15000.00}. This is not mine and I have furnished all parties documentation. 

XXXX XXXXXXXX : Credit Card. Do not have the account details. Charge off {$5200.00}. This is not mine and I have furnished all parties documentation. 

I have repeatedly sent copies of my request along with a copy of the Federal Trade Commission Identity Theft Report. Under FCRA Section 605B they have no more than four business days to remove or block. This has now gone on for months and months.
Consumer complaint received 2019-03-28
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft. I have have a total of 10 collections on my XXXX report and a total of 3 on my experian report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (NJ)

Problem with Equifax : On XX/XX/XXXX I contacted Equifax to temporarily unfreeze my credit information. My credit was frozen XX/XX/XXXX. I had previously temporarily unfroze my credit on XX/XX/XXXX. My request was refused because I was informed that I did not answer the security questions correctly. I did not accept this response and spoke to several representatives and a supervisor. All refused my request. In fact, the last Equifax representative claimed my account was not frozen even though I read the letter to her from Equifax that stated my account was frozen. They suggested I write a letter to their main office. My insurance company wanted to see my credit score tomorrow. 
The frustration I have experienced from Equifax is disgraceful. The bureaucracy in this non consumer friendly firm is disturbing.