davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have unauthorized inquires on my XXXX, XXXX and Equifax report. I have sent them a letter stating these inquiries were not authorize by me and to please have them removed. They have yet to remove the unauthorized inquiries. I totally understand under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order
Consumer complaint received 2021-12-07
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. (FL)

I have unauthorized inquires on my XXXX, Transunion and XXXX report. I have sent them a letter stating these inquiries were not authorize by me and to please have them removed. They have yet to remove the unauthorized inquiries. I totally understand under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage damage.
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXXXXXX XXXXXXXX XXXX XXXX., XXXX. XXXX ( XXXXXXXXl. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NE)

While my husband and I were looking to sell our home and purchase a new home, his brother happened to also be looking for his first home at the same time. Our home happened to meet his need, so we decided to sell to him. His lender, XXXX XXXX with Wells Fargo Home Mortgage, stated on XX/XX/18 that in order for the final commitment to be made for his loan, XXXX XXXX needed to have " a 12 month payment history on the mortgage from the current owners ''. When trying to determine why our payment history is needed for him to get a loan, we were told by XXXX XXXX on XX/XX/18 that " When the sale is between relatives, XXXX XXXX requires the seller provide a payment history to show that the sale is not a bailout ''. I contacted my lender, my real estate agent, my lender 's underwriter, and other various people in the real-estate field on XX/XX/18 and none of them have heard of such a stipulation. When asking XXXX XXXX for what regulation this was under, we were told to read under XXXX XXXX XXXX   non-arms-length transaction section. Wells Fargo has it as a requirement for their loans because of this. But we were not provided the specific regulation number, nor does anyone we know understand why this is required of the seller whether it is an arm-length transaction or not. We were told the closing would not take place if we did not provide this documentation which put the purchase of our new home in jeopardy. In the end, I had to provide this information to XXXX XXXX with Wells Fargo on XX/XX/18 in order for the selling process on my home to be able to continue. I am still bothered by the fact that I had to provide this information when no one else in this field has ever heard of or done this before. We feel this is a violation of our privacy as our payment history has nothing to do with my brother in law 's loan and his ability to pay on it. I would like this invesitgated further and more information to be provided to me if this was a legitimate need for Wells Fargo to approve my brother in law 's loan.
Consumer complaint received 2018-11-28
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2018 RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX Miscellaneous and public recordXXXX XXXX, MD XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   Miscellaneous and public recordXXXX XXXX, MD XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (DC)

I refinanced with Axos Bank at the end of 2020. Since then they have failed to contact my home insurance company to set up annual payment ( this has since been corrected ), they incorrectly calculated my city property tax and had no interest in contacting the city to correct it. I had to have multiple email exchanges with them and multiple calls with the city to rectify this. The auto debit system will not allow me to pay the actual amount I owe. It is still set to the old amount with no option of changing it. I suspect this is why the system won't transfer the funds to my mortgage account. I've asked multiple time for them to rectify this to no avail. Every time I think they've corrected it, I get a notice saying my mortgage is late.
Consumer complaint received 2023-07-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-07
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. (PA)

I sent TransUnion a letter disputing accounts ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 2 hard inquiries from XXXX XXXX XXXX and XXXX XXXX on XX/XX/2021. In the dispute letter I demanded that TransUnion comply with Federal Law 15 USC 1681C-2 ( A ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. TransUnion received my letter on XX/XX/2021. Today is XX/XX/2021, according to this law TransUnion was suppose to block/delete these fraudulent accounts and inquiries 4 days after the date of receipt. Therefore, TransUnion is in violation of Federal Law 15 USC 1681C-2 ( A ).
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NC)

On XX/XX/2020 I saw that this company called Medicredit INC NC was reporting to my credit. I have no idea how Medicredit INC NC obtained my personal information. I sent Medicredit INC NC a letter received on XX/XX/2020 with 15 days to respond as to why Medicredit INC NC feels like I owe them anything. I have not received a response and Medicredit INC NC is still reporting on my credit. Medicredit INC NC actually ignored my letter then updated their account on my credit. I found out that Medicredit INC NC are debt collectors and they have been proven to violate their alleged clients rights. They are known to continuously violate HIPPA laws also. I have not agreed to pay this company for any services nor have I received any services from Medicredit INC NC
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dave Operating, LLC (CA)

HELLO MY NAME IS XXXX XXXX AND I WOULD LIKE TO MAKE A FORMAL COMPLAINT AGAIST DAVE BECAUSE DAVE KNOWS I AM ON A FIXED INCOME AND I ONLY GET PAID ON THE FIRST OF EVERY MONTH AND I AM XXXX, BUT, YET THE LAST SEVERAL MONTHS XXXX HAS BEEN GOING IN TO MY ACCOUNT AFTER ONLY A COUPLE OF DAYS LITERALLY, THEN DAVE GOES INTO MY BANK ACCOUNT AND RETRIEVES THEIR MONEY. EXAMPLE I TOOK A DAVE ADVANCE ON XX/XX/XXXX AND THEY TOOK PAYMENT THIS MORNING XXXX XXXX, AFTER ONLY XXXX DAYS, WHEN DAVE KNOWS I DONT GET PAID AGAIN UNTIL XX/XX/XXXX. I HAD NO CHOOSE BUT TO RETAKE ANOTHER ADVANCE THIS MORNING AND THIS TIME IT SAYS ONLINE DUE ON XX/XX/XXXX WHICH ISNT MY CORRECT DUE DATE EITHER, I FEEL DAVE IS EXTORTING MONEY FROM ME BECAUSE THIS IS THE SECOND MONTH IN A ROW THAT XXXX WENT INTO MY BANK ACCOUNT AND TOOK MY FOOD MONEY BECUSE THEY TOOK MY MONEY BEFORE IT SHOULD HAVE BEEN TAKEN, WHICH IS ON THE XXXX OF EVERY MONEY. SO NOW DAVE IS TAKING DOUBLE FEES FROM ME BECUSE DAVE IS LITERALLY MAKING ME TAKE XXXX ADVANCES WHEN I SHOULD ONLY HAVE TO TAKE XXXX BECAUSE I AM ON A FIXED INCOME AND I ONLY GET PAID XXXX TIME PER MONTH ON THE XXXX XXXX OF EVERY MONTH. I HAVE BEEN CALLING THEM EVERY MONTH COMPLAINING FOR MONTHS ABOUT THIS NOW AND NOW THAT THEY ARE GETTING DOUBLE MONEY IN FEES OUT OF ME THEN THEY SHOULD LEGALLY BE GETTING. EVERY MONTH I CALL AND COMPLAIN THEY SAY WE CAN SEE THAT YOUR PAYDATE IS ON THE XXXX OF EVERY MONTH BUT THEY ARE SORRY AND THEY BLAME IT ON AN ERROR IN THE APP AND THEN THEY SAY THERE IS NOTHING THEY CAN DO, THEY CANT GIVE ME MY FEES OR MONEY BACK BUT I CAN RETAKE DAVE WHEN THE APP SAYS YOU CAN CHECK THE APP FOR INFO. PLEASE HELP ME BECAUSE DAVE IS LITTERALLY TAKING ADVANTAGE OF ME AND I NEED HELP THIS HAS BEEN GOING ON FOR MONTHS THANK YOU
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Gatestone & Co. International Inc. (MS)

XXXX XXXX has been reporting a debt to credit report for a credit card that was opened in XXXX of 2018. Said account was not opened by me, authorized to be open by me, nor does this account belong to me. Ive been in contact with XXXX XXXX since learning of this account. Ive signed identity theft at XXXX XXXX request however this negative account continues to appear on my credit report. At one point, XXXX XXXX advised me that the account has been turned over to a debt collecting company, Gatestone. Ive spoken with Gatestone as well and told the account manager that this XXXX XXXX account does not belong to me, the account was not authorized to be opened by me, and I didn't have any knowledge of this account until reviewing my credit report. I was actually on XXXX XXXX and XXXX to XXXX when this account was opened.
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

XXXX XXXX XXXX is the company her mortgage is at. 

I have sent documents proving I have the right to speak on behalf of her estate. They will not accept any of the documents signed by the judge and my letter of administration. 

Around the first week of XXXX : I called and was told to email Death Cert, Letter of Administration, and signed copy of the judge 's orders. Those documents were sent to XXXX Around XX/XX/XXXX : I called to see if the email was received. After 30 min on the phone, they confirmed the documents had been received but then said this was not how the process worked and they would have to send out a packet to fill out and return. 

Today : I called today and the firs agant I was speaking with ended up transferring me to XXXX XXXX She kept talking about how I needed to prove I had an ownership interest in the house and that the administrator needed to give him permission to speak about the loan. At this point, I explained for the umpteenth time that I am the administrator/executor. I told her that every time we call we get a different story and we are about ready to file a complaint with the Consumer Financial Protection Bureau. At this point, she offered to email a copy of the letter that was sent over ( they claimed in the past they could not email the information ). Her ID was XXXX XXXX XX/XX/2021 - Called and was transferred 3 times. Was transferred to an escalation specialist. Our conversation went like this : Agant ID XXXX  Was transferred a few times and the last person said " A specialist will call within one business day. I asked for her title, she said " Escalation specialist '' I asked for the name of the person who was supposed to call back she said " I can not disclose that information '' I asked for the department of the person who was supposed to call XXXX back and she said " I can not disclose that information '' I asked other questions. Every question I asked I got the same response. 


She stated it could take 60 days before this is processed. G
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2020-12-14
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. (AL)

I disputed two accounts twice with all credit bureaus, XXXX, Transunion and XXXX. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with XXXX. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with XXXX, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.
Consumer complaint received 2021-12-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

Since late XXXX early XXXX I have been attempting to refinance my mortgage. In the beginning of this process I was getting communication from American Financing and then it started getting increasingly hard to get a hold of the loan processor or the underwriter to find out the status of my loan. I have been told XXXX different timelines of when I can close my loan, the last was supposed to be XX/XX/2021. I was also told not to pay my mortgage for XXXX and XXXX however I am getting late notices which is not only showing me that the process isn't started still but this going to affect my credit based on what my loan processor XXXX XXXX told me.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A POSSIBLE.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

Someone opened a credit card at XXXX  XXXX  using my name, social security number and an address from 12 years ago. 

According to the records obtained by XXXX XXXX XXXX, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by XXXX XXXX XXXX. I never received a credit card statement because of the fake address and never even knew this happened until XXXX began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report. 

I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by XXXX have taken a toll on me and my family emotionally and caused undue stress on us all.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Union Home Mortgage Corp (NJ)

22 hard inquires on my credit report, i did not look for these multiple online inquires. 
all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.
Consumer complaint received 2018-11-28
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. (DC)

I have disputed the late payments on XXXX XXXX Transunion refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I have disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Experian refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP