davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
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: Experian Information Solutions Inc. (CA)

In XX/XX/2018, several attempts were made to obtain credit through EXPERIAN and XXXX crecit reporting agencies by someone using my social security number and personal ID. Both credit applications were denied due to insufficient credit history. As a result, I filed a fraud ID theft report with the FTC # XXXX on XX/XX/2018. 

After reviewing my EXPERIAN credit report, I discovered that my 45 year credit line history was expunged with the exception of two closed account accounts.. As a result, no FICO credit score. 

After disputing the fraudulent credit applications to both Experian and XXXX, disputes were resolved, however, the EXPERIAN account still showed no credit line history and they were unable to assign a FICO score due to " Insufficient credit history ''. 

After four months of attempting to obtain a reason for Experian expunging my credit history, I was finally able to speak to an attendant who researched my issue. I was advised that perhaps I hadn't activated credit reporting avtivity. I confirmed with my banks, mortgage carrier, credit card companies, who all indicated they were continuing to forward my monthly account activity to EXPERIAN. Recently, and again after many futile attempts to resolve my problem, I was advised that a " computer error '' was the reason for my credit history not being properly recorded and that it would take some time to fix, no approximate time frame given. Please note that when I checked my Experian credit report in XX/XX/2018, there was another social security number attached to my account which was supposed to be removed by Experian after I disputed it. 

Please note that my current XXXX and XXXX credit accounts are up to date with FICO credit scores above 800.
Consumer complaint received 2023-06-30
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)

Ive submitted this complaint 7 times CFPB & XXXXTRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXXTRANSUNION cred with FTC Fraudulent report support my position. It seems XXXXTRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical XXXX. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the accounts REMOVED per 605b with the attached documents again. Thank you XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, balance owed is inaccurate, term length is not accurate, closed date is inaccurate. This ground for removal they also violated my rights under 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 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

XX/XX/2009 XXXX XXXX FILED A FRAUDULENT FORECLOSURE COMPLAINT I HAVE NEVER HAD A LOAN WITH XXXX XXXX ... XXXX 

SEE ENCLOSED DOCUMENTS FOR DETAILS AND EXAMPLES AND OR EXHIBIT
Consumer complaint received 2019-04-15
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: EQUIFAX, INC. (CA)

XXXX, XXXX and Equifax received electronically verification from XXXX XXXX XXXX XXXX on my Mastercard ending # XXXX update as my balance is at {$140.00} on XXXX XXXX. 
But XXXX, XXXX  and Equifax are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not XXXX percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and Retired and a XXXX XXXX Honorable Military Veteran.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

My mortgage was originated in 2006, so I am covered by the provisions of the Homeowners ' Protection Act of 1998. Under the provisions of that law, a lender is required to cancel any Private Mortgage Insurance payments ( PMI ) when the principal balance on the loan reaches 78 % of the original value of the property. My balance has reached 77.9 %, and I have requested that the lender ( Bank of America ) strike the PMI payment immediately, as they are required by law to do. But my request has been met with obstructionism. The lender wants me to pay them for a " property valuation '' so that they may " determine '' whether or not to cancel the PMI. The law allows NO provision for the lender to consider a decline in property value, even if one had occurred. The unambiguous language of the law states that they are required to cancel the PMI at this point ( provided my loan is current, which it is ), and there should be no discussion. If Bank of America continues to assess me a PMI payment beyond this point, they are in clear violation of the law.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been in contact more than once regarding the promotional offers and credit line offers proposed by Capital One. I have been a customer for nearly 20 years. I have not been extended any credit offers during this time. I spoke with more than one agent and they explained that capital one does credit offers based on credit worthiness every 6 months. I complained in XXXX of 2022 how I never have been extended this offer. It is overt discrimination as they have over looked my account to extend any upgrades or offers. However many of my friends that are not of my XXXX  or XXXX have been extended offers. They recently sent me an email asking for my income to be updated and in the email they referenced that they wanted updated income to extend offers. However I update income annually for them and never ever has received an offer. This is clearly a violation of human rights and is false advertising. I submitted a request for an explanation from them and have not yet received any feed back or follow up. Also I feel that this is clear discrimination and the actions should be dealt with accordingly. In looking back over time I have always been overlooked for offers and credit extensions. My credit score, credit history have always been stellar with capital one so I am not certain of why they are discriminating against me. I would like feed back and a clear explanation along with a solution.
Consumer complaint received 2022-12-30
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: EQUIFAX, INC. (FL)

XXXX, XXXX and Equifax willfully and negligently non complying with federal law by reporting inaccurate and unverifiable information on my consumer report. [ They ] claimed, after " investigation '', as " verified '' ; however, neglected to provide the method of verification they used. See 1681 ( a ) ( a ) ( e ) as well as 1691 ( a ) ( 3 ). What friends did they speak with? What neighbors? What associates? Was the investigative information they collected, factual? I did not authorize, consent or give permissable purpose to the furnishers of these inquiries. No contractual agreement between me & furnisher stating I gave them permission, consent to or authorized this transaction.
Consumer complaint received 2023-06-30
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. (TN)

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. 

Account name : # XXXX of XXXX XXXX XXXX  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 2018-04-12
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. (CA)

TransUnion is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same name as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. They have 30 days to prove their claim to me or they must remove from my credit report. Its well past 30 days as i started contacting them in XX/XX/XXXX. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends, and there is also another XXXX XXXX at my employer. 

I've contacted XXXX via certified mail on XX/XX/XXXX again on XX/XX/XXXX and a third time this year on XX/XX/XXXX Each time I contacted them, they say they verified as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 

I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collecting from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Transunion and XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I logged into my credit monitoring accounts to review my credit reports so I can apply for a loan in the near future. I noticed with Experian there are several unauthorized Inquiries that I did not perform on my own credit. I upgraded my credit monitoring membership and locked my credit reports with XXXX XXXX to block any further unauthorized activity. I wrote handwritten letters to each unauthorized credit inquiry and have not received any response from their agencies. On XX/XX/XXXX, I wrote to Experian advising of this issue with the creditors and have the tracking numbers for it to monitor. # XXXX, they received it on XX/XX/XXXX and per the Fair Credit Reporting Act, they have 30 days to investigate and/or block and delete the disputed inquiries. It is now XX/XX/XXXX and I paid {$29.00} to refresh my credit reports with my credit monitoring account and have had XXXX unauthorized inquiries removed. I am filing a complaint because I know my rights as a consumer and can not become a victim to the amount of time it takes to fix countless issues on my credit reports.
Consumer complaint received 2019-04-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CA)

i have been receiving calls from several numbers XXXX XXXX XXXX XXXX Caller ID state " Convergent '' nothing else since the beginning of XXXX, they call about 5 time or more a day from different numbers and leave no message. I spoke with them in the past about this issue about a year ago and they stopped. They stopped because i threaten to file a lawsuit against they because they stated i owe them when i have documentation providing i dont. and now its starting to happen again attached are screenshots of recent harassing calls but not all.
Consumer complaint received 2019-04-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (FL)

NewRez had taken the amount of {$1800.00} out of personal checking on XX/XX/XXXX. On XX/XX/2019, NewRez was again paid {$1800.00} for XXXX 's mortgage, since NewRez claimed they never received it onXX/XX/XXXX. Bank account shows that in fact NewRez was not only paid onXX/XX/XXXX, but alsoXX/XX/XXXX for the amount of {$1800.00} and XXXX. According to NewRez, our bank had placed a hold and they were not able to receive the payments. Called XX/XX/XXXX, spoke with associate XXXX at XXXX bank, and confirmed that there were NO holds on NewRez with our checking account or for my spouse 's account, which is completely separate from the family checking account. We have paid for 2 months mortgage, XX/XX/XXXX, and XX/XX/XXXX, all of which can be shown by bank statements with absolutely no refunds except from our bank after filing a dispute forXX/XX/XXXX withdrawl that NewRez will not acknowledge. NewRez claims that they had refunded our accounts for both payments in XX/XX/XXXX Bank accounts will show that no refunds were ever made. The only refund that was made was for theXX/XX/XXXX payment and the refund was given by our bank along with a dispute against NewRez/Shellpoint.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-15
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. (MN)

I tried to contact Experian with no luck, they make it very hard to speak with a live human being instead you get a automated thing that asks you select an option non of which transferring you to a person. 

I have unauthorized inquiries on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc. (NV)

United consumer financial purchased a debt from someone else and is coming after me. I never recieved written notification of the debt or that I could dispute it. Also did not get info about original creditor when I mailed them a letter on XX/XX/2022
Consumer complaint received 2021-02-18
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: WELLS FARGO & COMPANY (NE)

I have filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I called chase and told them that my account has been stolen and my cards was lost, and as I tried to login the username and the password has changed, the email and phone number has changed as I told them they told me that my account has been closed and has no more account with them as its been restricted and they said that I will have no accesss to it
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AL)

I went into XXXX XXXX made a purchase for XXXX dollars and XXXX cents. I asked the cashier where is my XXXX dollar promotion. She said you made a purchase that had a subtotal of less than XXXX dollars. I said ok, I will return these items and then I went to customer service. I told them I needed to return the items I just purchased. They returned the items and told me that the sodas I purchased can not be refunded or returned. I was alright with that. I spoke with them about my promotion and they said the purchase has to be over XXXX dollars on the subtotal which was the same as what the cashier said. I returned what I could right then and there. I proceeded with making my purchase for over XXXX dollars on the subtotal and like magic my promotion was automatically applied and I paid the difference of XXXX dollars and XXXX cents right there in the store. The problem came after a few days of checking my account and seeing that the return did not show up on my credit card it only showed the purchase. This left me with three receipts to show the transactions that took place and a few phone calls and disputes with customer service. They or customer service assured me that everything would be shown on my account in a few days but did not happen. I recieved the promotion but my credit card statement is not. I sent in the formal dispute however they did not accept my receipts showing the promotion and have not credited my account of the XXXX dollars.