davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2021-06-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia Motors has this car reporting on my report as a charge-off with a balance even though it was repossessed. They also let us know that the car was resold. We've reached out to them about the way this is reporting but never received a response.
Consumer complaint received 2021-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (FL)

On XX/XX/2021 I contacted XXXX XXXX ( a mortgage broker XXXX XXXX ) for the purpose of obtaining a home equity loan. They put me in touch with American Pacific Mortgage loan application # XXXX ( file # XXXX ). I was dealing with XXXX XXXX one of their loan officers. I spent close to 6 weeks gathering massive amounts of my personal financial information for the purpose of securing a home equity loan. Some days, I would spend upwards of 6 hours trying to obtain, scan and email this information to XXXX at American Pacific Mortgage. 
Just when I thought I was ready for closing more and more documents and explanations were required. I complied for each item requested. 

On XX/XX/2021, I first received a good faith estimate of the closing costs. I was under the impression that I was supposed to receive it within 3 days of applying. After doing all the work for about 6 weeks, I then was told that I couldn't qualify for {$160000.00} loan. 

I got so frustrated and tired I cancelled the entire application because their customer service was lacking and it affected my health.
Consumer complaint received 2022-02-25
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. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have 2 accounts with profolio recovery for the same balance thats been in dispute for over 7 months with is illegal. Its stating that I opened up a XXXX  XXXX credit card in XXXX which I did not. I currently have a XXXX  XXXX credit card for {$500.00} dollar which is in good standing and also 2 other accounts that also has been in dispute for over 7 months for XXXX XXXX and XXXX XXXX. Im in the process of trying to buy a house and these things are holding me back. Along with my ss # being compromised a few times along with an account being opened in my name.
Consumer complaint received 2021-10-28
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. (GA)

Approximately 2 months ago I went online to attempt to make a payment and got locked out of the account. the system stated that I placed the wrong password in. When I called to try to make the payment over the phone the system asked me to put in my information and then routed me to a que for which I spent hours waiting day after day. One day I finally got an individual who advised me that because my wife is the primary on the account they needed to speak to her to get the account unlocked and make a payment. I explained to him that Due to covid restrictions my wife is international until the borders of XXXX were opened. He advised ( to which i understood ). We have tried to three-way calls and due to the long wait times and international calls it has been incurring large costs to us, we have also had calls dropped. As a result we have not been allowed to make a payment even though we attempted numerous times. It was not until XXXX I called in, put in the credentials requested and i was advised that this is an attempt to collect a debt and was routed to an automatic payment system at which point i made a payment. We have never had a late payment of this kind on our record and it was through no fault of our own that this was not completed. We have attempted several times and incurred high phone bills trying to solve this. Today we are seeing a 30 day late payment record on two credit bureaus which is unfair to us. Kindly assist with removing these negative reporting on our credit report of the primary which is my wife.
Consumer complaint received 2022-02-05
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. (TX)

I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. 

I sent a letter via certified mail delivered on XX/XX/21 asking for Transunion to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There is a note on my credit report that this " meets XXXX requirements ''. 

It has now been well over XXXX days since I initiated contact with XXXX, and over XXXX since I contacted Transunion. I do not believe that an investigation was done at all.
Consumer complaint received 2022-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (NC)

I obtained a XXXX  from XXXX XXXX in XXXX to help finance some of the operating costs of a charitable foundation I helped create. Paying off the loan was no problem as the monthly payment was taken directly from the charitable organizations checking account, also with XXXX. sometime around XXXX or XXXX PNC Bank bought XXXX and I thought everything was fine. But in XXXX of XXXX I got a call form PNC telling me that the XXXX was delinquent. So over the phone I authorized the person to make a payment. End of story, so I thought, but the next month I get a call from PNC telling me that the XXXX was in default because it was over XXXX  days past due. Turns out that in the transition between XXXX and PNC my checking account numbers changed and the direct draft payment wasn't paying for the XXXX because of the change of account numbers. Anyway, since XXXX I have had to pay for the monthly balance on my own because PNC won't allow a XXXX in receivership to have automated payments. I have been charged about {$2000.00} in late fees because of this ... .and it was all due to a mistake PNC made, not me. I have to deal with this for over XXXX years and have spent countless hours of my time trying to get PNC to correct this. Please help me, the account is up to date but I'm still getting late fees.
Consumer complaint received 2022-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

In XX/XX/XXXX we refinancied our mortgage with Quicken Loans/Rocket Mortgage after they contacted us about how much we could save per month due to the lowering of interest rates. They projected that we would be saving approximately XXXX XXXXXXXX from our current payment. We decided this savings was worth losing a year on our mortgage and went through with it. In XX/XX/XXXX we were told that there was a {$3000.00} shortage in our escrow account and that our mortgage payment would be increasing XXXX XXXX due to this shortage, bringing us right back to where we began a year ago. Now, we're out the closing costs and the year of payments from doing the streamline mortgage and our payments are right back where they were before we refinanced. The resons I am given for the XXXX shortage are not adding up. There has been no increase in our property taxes or homeowners insurance. I feel that I was presented with this great savings so that I would go through with the refinance and now, a year later, I'm being told that my mortgage payments will return to where they were before I refinanced, something that I had no longer budgeted for or expected with no change to anything that would cause such a signifigant increase. I feel that this is a shady business practice to get customers to refinance and then a year later put them right back where they were after they are now already paying longer on their mortgages, are out closing costs, and are no longer budgeting for this significant increase.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

My home mortgage was recently transferred from a previous servicer to Loancare. The mortgage has been in effect for over 15 years and has always been paid on time or within the grace period. When going to pay the mortgage online today, XX/XX/XXXX, after the due date of XX/XX/XXXX, but within the 15 day grace period, LoanCare added a " one time payment fee '' of {$10.00} '' ... .That fee was not charged by the originator or any subsequent servicer until now, and it is only charged when making an online payment, not for a mailed check. 

I contacted LoanCare by phone to ask for suggest that this charge was unwarranted and not right. They refused to budge, and simply repeated several times that was their policy. 

I will mail a check to avoid this fee, but would like to have the option to pay online within the grace period without being subject to such a fee.
Consumer complaint received 2022-10-10
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in XXXX. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? Moreover, I talked to the bank and they agreed to delete these accounts from my file. But Transunion has has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. I want these accounts deleted from my file ASAP : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-05
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. (LA)

on XXXX XXXX i sent the CEO of experian in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, beneficiary and XXXX of name and estate. i have reason to believe and do so great faith.
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-03-10
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. (TN)

My credit report is showing me late 4 times ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been late ever. I pay my full mortgage each month by sending in bi-monthly payments. XXXX XXXX has acknowledged this and keeps saying that they will correct it with the credit bureaus. However, it remains incorrect with the credit bureaus. I have filed several disputes with the credit bureaus. Each time the disputes are closed it says the information is updated but it remains the same. 
I have been trying to refinance each month since XXXX. Each time the process comes to a halt because XXXX XXXX still shows me late on 4 payments. Even though the reps can see that I have not been late they tell me that there is nothing that they can do and that I should try again next month. This is completely unacceptable. I could have possibly missed some of the best interest rates for refinancing due to bad customer service from XXXX XXXX. Although I have been trying to refinance with them this makes me want to refinance with a different company once this is resolved.
Consumer complaint received 2021-10-28
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. (CO)

On XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX, MN XXXX XXXX Placed a charge-off amount of {$5100.00} on my credit report. 
This debt was waived. File # XXXX confirmation is dated XXXX XXXX
Consumer complaint received 2019-10-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Go Capital Holdings, LLC (MO)

Go Financial authorized a fraudulent loan in my name from a XXXX XXXX which at the time was my ex husband. Apparently my id was used and once notified via emails of this car loan I contacted the company and they did nothing to assist, but send me paperwork of signatures, but I never signed for a car or anything for Mr. XXXX. The company sent me paperwork of payments Mr. XXXX made, my email address was used which is how I found out about the account. My ex is in prison now so I could not get any more information. I reported my information stolen after failed attempts with this company and I sent them all I had, but Go Financial still would not remove my name from the loan and him and an unidentifiable woman opened. I kept disputing over time and XXXX  along with XXXX finally removed after further investigation, however XXXX still has not and now they have revoked my time to submit disputes for the issue. I am needing this removed from XXXX  credit bureau as it has been investigated and found NOT my debt and fraudulent by the other 2 bureaus.
Consumer complaint received 2022-02-25
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. (WA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-10
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: AVANTE (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: AMERICAN EXPRESS COMPANY (VA)

I have contacted American Express to assist with a duplicate rental car charge to no avail. XXXX has an authorization on my account for {$390.00} and made an additional transaction ( authorized for $ XXXX posted for {$390.00} ) on XX/XX/XXXX and posted it without my permission. American Express has refused to assist in disputing the second unauthorized transaction, citing system constraints that prevent them from deleting transactions. I only authorized 1 transaction ( {$390.00} final posting amount- originally authorized for {$390.00} ) onXX/XX/2019with XXXX and have returned the rental car. However, my account has two ( 2 ) transactions, one for the correct amount and one for {$390.00}. I did not authorize any additional transaction on XX/XX/XXXX or XX/XX/XXXX when returning the rental vehicle.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2021-10-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (WA)

For many years, I have had a taxable investment account with Axos Invest, LLC ( dba Axos Financial ; formerly XXXX  ). Due to changes in their offerings and policies, earlier this year I decided to transfer my taxable account to XXXX. The transfer of ETF shares occurred successfully, but Axos, LLC never transmitted the cost basis data to XXXX. This issue has been open for months, with Axos claiming they transmitted the data via XXXX and XXXX saying they haven't received it to apply to my account. Other consumers ( see XXXX for examples ) have reported similar issues, and not just with data ( and/or funds ) failing to be transmitted to new investment brokerages.