davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During the past five years I had been harassed by USDE on whose falsely made claims to IRS on overcharges on paid off student loans I had, also IRS were taking my tax return to paid unpaid business taxes reported to them as independent contractor under my legal name XXXX XXXX XXXX, I also filed complains because Transunion credit bureau fraudulently allowed XXXX XXXX from California misrepresenting and accessing my credit file and placed her fraudulent loan as add on in connection with an existing record of my student to cover up her fraud in order to fulfill her economic crimes and XXXX 
Attached find the reason why only TransUnion credit bureau had outstanding debts reported on my credit file and others credit bureau had XXXX balance and reported my student loan paid off, and had gone nothing to clear it, just TransUnion! 
As mentioned before I had security freeze on my credit file since 2010, I recently logged into my credit file to change my password, and noticed that my logging were linked to the spy location address XXXX XXXX in California and PA, not my location I live in XXXX, Florida, I had never been in PA neither in California, also I noticed they were also registered as business inquire and linked to a business name XXXX XXXX XXXX, which is my real legal name, birth name, and accessed my file without having my password neither my pin, which mean to me they are being using my personal logged in to get my credit file in connection with their business, to cover business entity and XXXX XXXX in California, which is a fraud and identity theft FS, 817.568 therefore it means to me that XXXX XXXX has an insider helping her with her fraudulent and abuse economic crimes, his name is XXXX XXXX who is nothing less than a senior Manager of TransUnion credit agency. The address listed on the business inquire as my location is XXXX XXXX residence address located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, and he phone listed on the business inquires are also TransUnion credit bureau phones XXXX, XXXX, XXXX, see attached evidences and proof Now you have everything to made an arrest, forward complain to the FBI and arrest this is the XXXX XXXX XXXX in TransUnion using my name as business, and committing fraud, placing loans under my social security, the domestic XXXX is covering their operation using with citizen existing loan to add on their own loans which in my opinion could be loan for financing domestic XXXX  and they are using good citizens with good credit record. I am sure the US department of education has another XXXX XXXX working on their domestic XXXX operation covering up their operations
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

The rejection I received for my Loan Modification does not make sense. I signed up for mortgage a forbearance program to help us while we were waiting for our Loan Modification. One has nothing to do with the other. Forbearance does not replace Modification, therefore using that as an excuse is illogical. The other reason that was stated is " we can not grant you a Loan Modification '' is not reason. I really did not receive a valid answer for my denial. 
Here are the facts, over and above all the documents I submitted ; I will be XXXX this XXXX. I am still working as a XXXX XXXX, since we are on Social Security only. All my bookings for XXXX got cancelled and refunded and I will not get any more business for this year, and XXXX is in question. I can not apply for Unemployment, since having a small business I did not draw a fixed salary, only paid myself whenever there was money in the account. I can not get financial support for my small business either, since I do not have other employees. I had a 3 % mortgage for the first 5 years of my initial Loan Modification, the interest rates are low enough for me to qualify for the same rate again. Sincerely, XXXX XXXX.
Consumer complaint received 2022-11-16
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)

I recently checked my credit report and realized there are accounts that are not mine which I have no knowledge of. I am a victim of identity theft and am attaching my notarized affidavit. 

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
Consumer complaint received 2022-11-17
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. (PA)

In accordance with the Fair Credit Reporting Act, *XXXX XXXX XXXX XXXXXXXX has violated my consumer rights. * XXXX XXXX XXXX  has violated my consumer rights. * XXXX XXXX has violated my consumer rights. * XXXX XXXX has violated my consumer rights. * 15 U.S.C 1681 Sec 602 A : States I have the right to Privacy. 
15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I have never given prior consent or had any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, payment history etc. I have never consented to any such terms of agreement. Please ensure all investigations will be XXXX XXXX and resolve their reporting Innaccuracies.Thank you
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) o
f any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WA)

I applied for a cash out loan with Quicken/Rocket mortgage I was quoted a 3.25 % interest rate with 75 % LTV and my current XXXX score at a 1 % charge. I locked in the rate and moved forward. My appraisal came in low and rather than reaching out to discuss options with me they sent a new loan estimate with almost 3 % being charged for the same rates everyone else is charging 1 % for. I received other quotes and locked in with another company for same rate and less than a point charge. I have a 2 part complaint 1 ) when I escalated my XXXX deposit to be returned due to non communication i was told when I emailed and asked for my loan to be withdrawn because of the issue and no communication it was my fault I did not ask for options and that it was my job to reach out to them and discuss options when i received the loan estimate..EXCUSE ME this is the lenders job they should be discussing any changes with clients before making them period and reaching out within a 24-48 period to discuss options - they dropped the ball and want to put it back on me, the consumer - I want my XXXX refunded they did a terrible job at communicating. part 2 of complaint I feel the excessive charge in rate should fall under predatory lending practices they should not be able to charge that much more for the same rate available any where else for so much cheaper. In fact I locked in same rate with higher LTV at 80 % and same XXXX  score. 
i emailed XX/XX/XXXX after waiting at least a week if not 2 weeks to hear from them, escalated deposit issue on XX/XX/XXXX and received return call today XX/XX/XXXX XXXX
Consumer complaint received 2019-08-20
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. (ID)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  – partial account number XXXX****.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  XXXX has removed this from my credit report however, XXXX and Transunion have not.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-11-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-07-13
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. (CT)

I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (CA)

Have always send money to XXXX with Western Union then one day they told me I can not no more for no reason. Its almost the same way with XXXX XXXX they Profile you where you sending the money too and if you ligit on the money you sending. 

Western Union never gave a reason why I can not send money with them. I feel the same with XXXX XXXX profiling and XXXX. Just because I am XXXX and sending money to XXXX. 

They need to make decision based off facts not just location and race. Too much of this is going on the money transfer services. CFPB needs to crack down on these money transfer services.
Consumer complaint received 2022-04-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX at this time has admitted and removed the reselling of my information to XXXX XXXX and experian however the XXXX ACCOUNTS are still on my consumer report. The information is not accurate nor verified, nor has any written consent of any of my personal information to be used and traded on. Pursuant to 15 US code 1692J civil liability XXXX  and third-party crediting bureaus are now liable for damages in the amount of {$1000.00} for each violation. There being several, it is requested to have the accounts deleted from all consumer reports due to the pro bay fraud and federal violations
Consumer complaint received 2023-01-18
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: ALLY FINANCIAL INC. (IL)

I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please Ally Financial XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.
Consumer complaint received 2019-08-20
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. (ID)

XXXX; XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX****.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

I have an inquiry and an account from Wells Fargo on my credit reports. I never applied for anything with Wells Fargo. I reached out several times to get the account removed and the inquiry removed. All they did was keep placing me on hold, transferring me back and forth to different departments and different representatives, and also hung up the phone on me several times. I AM FILING THIS COMPLAINT AND WILL CONTINUE TO CALL UNTIL THIS IS RESOLVED
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (CO)

We are buying a new home through XXXX XXXX XXXX in XXXX, Colorado. When looking at the home, we were told that they had an incentive plan in place that if we used their affiliate Home American Mortgage Corporation for our mortgage, they would finish our basement free of charge. On the contract, they valued this incentive at {$37000.00}. At the time, I told the sales associate that I was uncomfortable with using them without knowing them because I feared for what they could do with our interest rate or points if they wanted to make up for the incentive. We were told that their prices and rates were very " competitive '' by the loan officer we were appointed at that time. We signed the papers, and are now coming up on our closing date. On XX/XX/XXXX, we were emailed by our new loan officer ( our old one who told us their rates were very competitive had retired ) stating that the government shutdown could effect our rates in a positive way. On the XX/XX/XXXX, we were emailed again by our loan officer that the shutdown did not effect our rates in the way that they'd hoped, and to let him know when we have a closing date so we could lock in the loan. On the XX/XX/XXXX, our builder XXXX XXXX XXXX sent an email with us and our loan officers copied stating that we had a closing date of XX/XX/XXXX. We believed that since our loan officer was on the email and told us as soon as he knew the closing date he would lock in the loan that it would be locked in at that point. However, I had to send a follow-up email asking what the rate would be on XX/XX/XXXX. Home American Mortgage Corporation is now stating that the rate on XX/XX/XXXX when the loan was locked was XXXX, which is XXXX higher than what the average rate is today and the rates have done nothing but climb since XX/XX/XXXX. When I asked them for the history sheet of their rates, and compared their rates to the 10 year treasury, they said their history is for internal use only, and that we were not allowed to see that information. Are they really allowed to pick and choose whatever rate they want, even when we have email documentation that the rate should have been locked in on the XX/XX/XXXX and that the rate according to the 10 year treasury on that day was XXXX? We are just looking for information that can help us out in any way since I believe they are trying to make up for the incentive by giving us an astronomically high interest rate.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (TX)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX This is not my account. I have reached out to them 8 times asking to remove this account. The FRCA states all information reporting should be accurate. This is not my account. I also asked for proof of this account and I was never giving any documentations because its not mines Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate XXXX  unverified things on my credit report XXXX  this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all XXXX  them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax XXXX  THE XXXX data breach XXXX  may have gotten into the wrong hands.
Consumer complaint received 2020-07-17
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: EQUIFAX, INC. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

NEW RES- SHELL POINT MTG IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XXXX OF 2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, Shell point FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : XXXX/www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a
Consumer complaint received 2018-02-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

This is in regards to the prior complaint that i submitted with this company with you on XX/XX/2018.  The itemization that Wakefield responded back with does not match the balances that are being reported to the credit bureaus. How could you state that i owe something in which i never received service from this company nor have i ever received anything from them. The four accounts that are being reported are account # XXXX for {$950.00}, XXXX for {$680.00}, XXXX for {$650.00} and XXXX for {$890.00}. When this was first provided back on XX/XX/2018 neither of these accounts nor the balance were provided on the itemization! I honestly feel as if this is fraud.