davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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. (TX)

XX/XX/XXXX credit score XXXX XX/XX/XXXX credit score XXXX ( decrease XXXX points ) XX/XX/XXXX credit score XXXX ( increased XXXX point ) XXXX/XXXX/XXXX credit score XXXX ( decreased XXXX points ) tried to dispute the inaccuracies online but trans union does not give you that option. 

called trans union to dispute the inaccuracies but trans union customer service state they are not able to provide the information to the inaccuracies. 

last 5 years there has been no derogatory information reported by trans union to explain the credit score decrease from XXXX down to XXXX
Consumer complaint received 2020-02-04
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)

The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX XXXX show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XX/XX/2017, I pulled my credit reports from all three credit bureaus and found several inaccuracies being reported. My first, second, and third attempts at disputing the inaccuracy has failed. Each time, all three bureaus state the debt has come back verified. I have requested on numerous occasions the documentations used to verify the account in question. XXXX XXXX XXXX XXXX is reporting a debt inaccurately and the three credit bureaus are allowing them to violate my rights per the FDCRA and the Louisiana Uniform Commercial Code. The credit bureaus are refusing the documentation and consistently reports falsely. By law, I have the right to legally pursue legal action against these offices and at this point to consult with the State attorney & Attorney Generals office because this seems to be slander. My reports are falsely reporting and at this time I strongly feel has prevented me from obtaining adequate employment hindering me from being gainfully employed in my career.
Consumer complaint received 2018-02-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2018 we were notified by BoA that our mortgage has been sold to XXXX mortgage and that we were responsible for our payments to BoA until XX/XX/XXXX, at which point from XX/XX/XXXX - XXXX would be responsible for our loan. 

We were unable to make payment through the website previously utilized for BoA mortgage payments, and as of today, XX/XX/2018, are officially being 'handled by XXXX Mortgage '. 

Some reviews and reading about this company and transitions for other BoA customers to their company and care made me very concerned. We have, to date, not been notified or informed by XXXX regarding account information, payment method, or any other relevant account related information. Efforts today to call them directly resulted in being informed that our accounts had not completely transferred over and were unavailable. We were then informed we do not have an account number yet and were told we were not going to be charged a late fee because we were in a grace period, but no details for the grace period were available and no definitive information or record could be provided to verify this. 

More importantly, various sites offer accounts of customers being mishandled and misdirected to the expense of their mortgage loan status and credit score/health - and without being provided ANY documentation, verification, or communication at all by this company - I am incredibly concerned. 

This whole initial experience and lack of information has us at a disadvantage that seems to wreak of unlawful behavior and complete lack of necessary procedure. Their customer service is unwilling to provide us any additional lines of communication and information and BoA is being even more unhelpful. I'm frustrated that they have created this incident and necessitated this difficult transition but have no responsibility or help to provide. 

Please help.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

Rocket Mortgage keeps calling me to cash out my home equity. I have begged them repeatedly to stop calling me and opt me out of their calls, but they insist that since I have an active mortgage with them they are allowed to keep calling me to sell me on the benefits of cashing out all the equity in my home. They refuse to stop calling me. I don't want to cash out all the equity in my home. I don't see why just becasue I have a mortgage with them they are allowed to keep calling me! Please make them stop!
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (PA)

I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (GA)

I had a XXXX and XXXX mtg XXXX XXXX for my house in XXXX, XXXX I was working for XXXX and forced to quit during the recession in XX/XX/XXXX. I was over XXXX and been in the company 25 yrs and made twice as much as everyone else. I found work but the wage was significantly less and was in XXXX. We could not sell the house so we rented it out for {$1000.00} pr/month and paid the {$600.00} difference in mtg payment. Over the years we paid over {$23000.00} to supplement the rent payments for the mortgage. We emptied out My {$44000.00} XXXX and my wife 's {$20000.00} XXXX to do this. I approached XXXX several times to ask for assistance with refinancing the mortgages. We kept the mortgage payments current. The XXXX mortgage was only 15 year term and could have been extended. They refused several times as we did not live at the house. After several years I asked if we could turn in the keys " in lieu of ''. I was told that XXXX XXXX XXXX prefers to do that with empty homes. So I waited until the rental agreement had run out and the renters moved. Then in XXXX XXXX XXXX I filled out the XXXX paperwork to turn in the keys or short sale. They kept putting me off saying they needed me to fill out a form a different way or more information. I was a XXXX yr XXXX Bank XXXX. I knew how to fill out paperwork. It was designed to put me off. Then I asked about short sale. They told me to get a good offer first, then make a proposal to them. They then sold the XXXX mtg to Seterus mortgage. I continued to fill out and send paperwork and copies of all my financial information, tax returns, pay stubs, bank statements. 

On approx XXXX XXXX XXXX we received a very good cash offer of $ XXXX on a $ XXXX balance between the XXXX and XXXX that my realtor put through homepath. It has been 9 months since I first tried to do this and 4 months since putting through the short sale offer. Seterus has neither approved nor denied the offer. Just a few weeks ago they asked me for more information and XXXX tax returns. Even though they acknowledge that I have previously sent it to them. I have literally sent over XXXX XXXX pages of financials. As you can tell I am extremely frustrated. This can all be verified through my realtor and homepath.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC (IN)

I am presently in process of purchasing a home and my Lender came back to me asking for more information on properties that I " Own '' and I did not list on my application. I was told that they appeared on a " XXXX report ''. The property addresses are XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. Like so many others I got caught in the XXXX crash and, unlike so many others, maintained my properties through the short sale process. I successfully negotiated short sales transactions with No Deficiencies on both of these properties. 

Am attaching a copy of the XXXX report dated XXXX. For whatever reason the short sales at XXXX XXXX and XXXX XXXX that were completed on XX/XX/XXXX and XX/XX/XXXX respectively continue to be reported resulting in a High probability of loss due to fraud. I NEVER engaged in fraud or deception with any lender prior to, during, or after the XXXX Crash. Nor will I do so moving forward. 

This is old and outdated information. I survived the 7 years it took to get these off my credit report. Now it is many years past those 7 years and this is still being used unfavorably. I continue to be damaged as a result of this illegal and unethical reporting. 

Please get this information removed from the XXXX system at the earliest possible time.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

On Friday XX/XX/21 I contacted my mortgage company for them to do an assessment on my escrow account. I am being charged {$460.00} per month for taxes and insurance. Which totals {$5600.00} per year. My property taxes for the year total {$2200.00} and my Homeowners insurance total is {$500.00} per year. This makes the total needed to cover both {$2700.00} per year. I am requesting an explanation as to why they are charging {$2800.00} more then what is needed to cover the escrow. When I first contacted the company by phone they told me that it would take approximately 10 days to get this looked at. It has now been over 3 months and still nothing has been done. When I contact them either by phone or email they tell me it will be another 10 days.
Consumer complaint received 2022-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

My federal student loans ( XXXX ) were recently transferred from my one servicer to another. My loans were transferred from Great Lakes ( ID XXXX ) to Nelnet ( Acct. XXXX ). On XX/XX/XXXX I received an email from Great Lakes notifying me of the transfer effective XX/XX/XXXX. On XX/XX/XXXX I received a similar email from the XXXX XXXX XXXXXXXX. On XX/XX/XXXX I attempted to set up my account on Nelnet & the website would not allow an account set up. On XX/XX/XXXX I attempted to chat & phone Nelnet but was unable to reach an agent. The messages that I received in response to my attempts to phone or chat with Nelnet indicated that I did not have an existing account. On XX/XX/XXXX I again attempted to contact Nelnet by phone & was able to reach XXXX who informed me I should be able to set up my Nelnet online account around XX/XX/XXXX. Today, XX/XX/XXXX, I set up my Nelnet account & discovered that none of my payment history with Nelnet transferred from Great Lakes, but, of course, all payment due information did transfer. I signed into my former Great Lakes account to discover the same. None of the payment history was available, but the original balances, prior to any of my payments, were visiable. I chatted with Great Lakes today, XX/XX/XXXX, & was told I would have to reach out to Nelnet for the XXXXXXXX XXXX XXXX to receive a record of my payment history. The Great Lakes agent was able to see my payment history but because it was " greyed out '' she was unable to send the record to me. I then chatted with Nelnet who could not explain why the payment history is not visible. I was also told that the Great Lakes payment history will never show on my Nelnet account but the agent agreed to email me a record of the payment history within 20 minutes. If both servicers have instant, visible access to my payment history, why don't I have the same ability? I have not yet received that email. It is not acceptable to me that a loan transfer to a different servicer results in the disappearance & unavailabiity of payment history on the online website of both servicers. I keep good records, including my payment history, but what if my servicer 's records differ from mine? Payment history is critical information that should be available at all times to all borrowers. I want to receive a copy of my payment history promptly & I want my entire payment history, including payments made to Great Lakes, to be visible on the Nelnet account. I have attached a copy of my chats today with both servicers.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency.
Consumer complaint received 2020-02-04
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: OPORTUN FINANCIAL CORPORATION (CA)

Oportun has illegally pulled a Hard pull inquiry on my credit report with XXXX, I never authorized them to pull my credit. It has dropped my credit score damaging my credit. I am requesting help from the CFPB in this matter for Oportun to respond. 

XX/XX/XXXX XX/XX/XXXX Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX showing there no information to verify from there records
Consumer complaint received 2018-05-15
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: CORELOGIC INC (CA)

On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with them.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Consumer Financial Protection Bureau Case # XXXX Citi Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX What happened : " Our records reflect the authorization for {$0.00} to XXXX XXXX XXXX XXXX XXXX " Because the charge did not post to your account, it did not qualify for one of the benefits of your card, which is is {$0.00} liability on unauthorized charges ; therefore, an investigation was never conducted '' Your Citi Executive Response Team City did not answer the question : How did that charge get into our accouint and why does Citi dismiss it? It did get there and was not authorized so how can it be any except Fraud?
Consumer complaint received 2022-03-04
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. (TX)

I have repeatedly asked that this incorrect information be deleted from my credit report. I have asked for the original contracts with my signature to verify these loans be delivered to me but I have not received anything! I submitted a complaint and got a status report with a first name different than mine. XXXX XXXX. 

I would like these accounts that are over 7 years old to be removed from my credit report ASAP OR I WILL BE SUING EXPERIAN. I HAVE ALSO ASKED THE CREDIT BUREAU TO REMOVE THE ADDRESS OF XXXX XXXX XXXX BECAUSE IT HAS NOT BEEN MY ADDRESS FOR OVER 3 YEARS AND THEY WILL NOT. 
I AM FED UP WITH HAVING THIS INCORRECT REPORTING ON MY CREDIT FILE. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$36000.00} Status Open/Never late. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$40000.00} Status Open/Never late.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (FL)

Based o information received by Chime, I attempted to open an account online with Chime. 

I disclosed my correct name, address, date of birth, and social security number and the fact I am paid via direct deposit. Chime rejected me via pop-up screen. Chime has refused to state the reason. Chime has refused to provide me with a copy of my credit report. Chime also fails to disclose its address. Chime refused to mail me a copy of the rejection of credit letter. 

Chime now has all the information they need to commit credit fraud, and I have zero recourse. 

Chime advertises itself as being easy to deal with and a " Second Chance '' bank, designed for people with credit problems. However, I am not a credit risk, and my credit tis good. 

I deserve to know the reason I was denied credit and a copy of my credit report
Consumer complaint received 2020-02-01
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. (DE)

Investigation did not fix error. Equifax said I am a credit repair company, I am stating that I am not a credit repair company and this account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.
Consumer complaint received 2022-03-04
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. (IL)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

AMEX is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AMEX XXXX )