davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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)

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Quicken Loans/Rocket is running a shell game with inspection fees. They simply use data analytics to guesstimate the value of a refinance then up the value beyond the supportable valuation for the loan documents ; then collect the XXXX dollars which they then pocket when the valuation is a few dollars shy. There are hundreds of complaints on the internet, all with the same story. I myself fell for this deception and wanted to pass along a Waring, they do not deal in good faith and use the inspection process as a money maker. the ethics of the mortgage company providing these services for themselves is also highly questionable.
Consumer complaint received 2017-07-31
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: Fidelity National Information Services, Inc. (FNIS) (PA)

CHEXSYSTEMS CONSUMER ID XXXX SOMEONE OPENED A CHECKING ACCOUNT IN MY NAME IN ANOTHER STATE I HAVE NEVER LIVED IN AND IT IS ADVERSELY EFFECTING ME FROM OPENING A CHECKING ACCOUNT CAUSING HARDSHIPS! I HAVE ALREADY REPORTED BE A VICTIM OF IDENTITY THEFT!
Consumer complaint received 2022-09-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HOME BANCSHARES, INC. (FL)

I lost my Centennial Bank debit card on XX/XX/XXXX, and when I discovered the debit card missing on XX/XX/XXXX I called Centennial Bank to report the debit card lost, and to file a claim for eleven unauthorized transactions. Afterwards, I received a letter dated XX/XX/XXXX, which stated Centennial Bank wasn't going to credit my account for the transactions in question because of a determination no error had occurred. Consequently, I filed a complaint with CFPB on XX/XX/XXXX. I received a letter from Centennial Bank which stated an additional review of the fraud claim was conducted, and a decision was made to credit my account for eight of the eleven unauthorized transactions. Centennial Bank wouldn't credit my account for the remaining three transactions because the merchants were able to confirm my physical presence with a match of my identification provided the bank ( see the attached letter from Centennial Bank dated XX/XX/XXXX ). Centennial Bank wrote that videos are available for viewing from the three merchants in question. However, I called the merchants to ascertain if I could view the surveillance footage and was informed that only law enforcement could view the videos, or a court writ would have to be provided. In addition, there is the mention that someone who was spoken with at one of the merchant 's remembered having a conversation and the merchandise that was purchased. The same merchant was able to match my description with the photo ID on file at the bank. The problem with this statement is that I never did business with this merchant. Also, in regards to the financial institution having my ID on file, I don't recall ever providing my ID to the bank, as the checking account was opened online without a photo ID, and when the claimed was filed I didn't provide a copy of a government issued ID. 
Next, I don't understand how Centennial Bank can acknowledge that I was a fraud victim for eight of the transactions, but not the remaining three. Two of the transactions that are still being disputed occurred on XX/XX/XXXX. Accordingly, what the bank is saying is that the debit card was lost before the first two unauthorized transactions on XX/XX/XXXX, came back into my possession for one non-credited transaction on XX/XX/XXXX, then was lost again for six fraudulent transactions, followed by two remaining non-credited transactions on XX/XX/XXXX, which the bank says were made by me.
Consumer complaint received 2022-09-13
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 Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-03
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: REGIONS FINANCIAL CORPORATION (MS)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2018-06-29
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Navie t is incorrectly reporting my loan as late for months now, 4 months late and I havent had a lot ab with them since XX/XX/2014. I havwas called several times. They do not claim to know anything about it.it clearly states on all my credit reports that navie this is the lender and they are clearly stating late Paynent
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (WV)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

Over the past two weeks, I have tried to log into my Experian account online to lift a credit freeze. I was unable to log in using the user id and password saved in my XXXX XXXX password XXXX. They sent me a passcode. It didn't work. They sent me repeated passcodes. They didn't work. I called them on multiple numbers at multiple times and got transferred all over the place. They all asked for multiple kinds of identification and security information which I gave them to their satisfaction, but they still couldn't get me into my web account online or unfreeze my credit. The last guy told me to mail in multiple forms of identification by paper mail. I did. I called today on multiple lines and finally got a human being. She was an answering service who asked me what I needed, then transferred me immediately. The person I got could not help me. She said she was the wrong person. She gave me two numbers to call for Experian. One was XXXX XXXX XXXX. I never got a human being. It hung up on me. I called the second number. That number was XXXX XXXX XXXX. That number was not even an Experian number. The recording that answered identified the number as belonging to XXXX XXXX. I hung up. Then I came to you and filled out this form.
Consumer complaint received 2024-02-22
Product: Credit reporting 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)

I acknowledge the efforts made to eliminate some fraudulent entries from my file stemming from alleged fraudulent activities, yet there remain items requiring immediate removal. In a renewed effort to dispute these entries in my credit file, I am submitting an Identity Theft Report # XXXX. In accordance with the mandates of FCRA section 605B ( a ) ( 1 ) ( 2 ), the removal of any entries from my file identified as resulting from alleged fraudulent activities is required within 4 business days following receipt, given ( 1 ) suitable proof of my identity; ( 2 ) a copy of the identity theft report. The detailed list of items yet to be removed includes : 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 XXXX XXXX  XXXX XXXX Please be advised of the XXXX deadline for the removal of any entries from my credit file identified as the result of alleged fraudulent activities. I explicitly decline the use of E-OSCAR or any automated verification processes. I request that the results be forwarded to the address provided.
Consumer complaint received 2021-03-02
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 (GA)

This account is showing that I owe money which is not true this car was under the Lemon Law Act in XXXX XXXX Florida which was where the dealership that I purchased it from received the car well the car was taken back to correct some factory mishaps and recalls from mini that the eventually deemed the car to be unsafe to drive Because of flooding previously in Florida that caused damage to the car. XXXX XXXX has this car in its Possession since XXXX. I was in contact with Wells Fargo they knew what happened and apologized they have sent me Reimbursement for payment made.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, XXXX my bill did not go through BANK OF AMERICA ( Opened XXXX XXXX, XXXX ) - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Ck. # XXXX. Servicer misapplied funds to a totally incorrect account, XXXX XXXX  every financial regulation. Specifically, was check XXXX funds ( principal, interest, Escrow ) applied, and why ... when we specified the correct account?
Consumer complaint received 2021-03-02
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: Certified Credit Reporting, Inc. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc. (MI)

On XX/XX/2020, I received an email from XXXX  that this medical Bill was listed with the credit Bureau reporting agencies for collection. I never received a collection letter from this company and because of this was not given the 30 day right to question this or dispute it. I want this deleted from all the bureaus as my consumer rights were violated as I was not given the opportunity in writing to question this. If this is in fact owed I am willing to pay it providing this is removed from all of the bureaus as it is damaging my perfect credit and bills paid on time as agreed.
Consumer complaint received 2018-06-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Go Capital Holdings, LLC (SC)

I was told by a GoFinanical rep at the company that by law only 5 late payments can be removed and that they would be removed & that hasn't taken place. I have disputed with all 3 credit agencies that the inaccurate would be updated and that still hasn't happened. The company is now XXXX and the reps/supervisors are saying they don't have any record of what I was told.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
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. (PA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX pa and XXXX I have a credit freeze with Transunion. I have worked hard to get to 0 hard inquires and a credit freeze is suppose to stop all creditors from pulling my credit. Well I had 6 in last week and this is with credit freeze. This is against the law and they moved company to XXXX and they are XXXX and liars. 
Fair credit reporting act section 604 says they have to verify that they will have to show evidence I did this which nobody should be able to do this with credit freeze and the fcra 604 says that have to prove this. I sent paper work in and they admit they don't know how it got through there system so it has to be through XXXX doing this. 
I want these fraud 6 hard inquierysoff my report now. Credit freeze should have stopped this but these lying XXXX says I have to prove I made inquierts but that us not are federal law.
Consumer complaint received 2020-08-21
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. (NC)

I have reached out to Equifax on several ocassions trying to access my credit report online bc there are numerous inaccuracies including one showing I have an address from NY which I have NEVER resided in NY yet Equifax continues to report it and refuses allow me access online to my credit report. 

I submitted a XXXX complaint and their response was " based on information provided when you signed up we have blocked your online access '' ... .the phone reps basically tell me to literally mail my ss cars and dl photo to some XXXX XXXX and that I can dispute stuff through the mail. Yet whenever I call their automated svc can literally verify me. 

They refuse to give me any type of online acct and it is causing issues trying to purchase a home. They refuse even tell me WHEN this information supposedly was given or what it was. The phone reps are overseas and dont help at all. 

I tried to resolved it thru the XXXX  to no avail. This is my next step. Equifax doesnt even list their legal departments address to send a motion to compel should I decide to pursue action from the courts. 

All I want is access to my ONLINE account. The fact Equifax is not allowing it and will literally only mail me a credit report is nothing short of a power and control move by them. The other 2 reporting agencies have no issues and their information matches each other yet Equifax has wrong addresses, old accounts and even duplicate accounts and refuses to allow me online to address it.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I was scammed but the me-to-me money transfer through XXXX that is partnered with Chase bank. I would not otherwise have an account with XXXX if it were not partnered with Chase as I have been a Chase bank customer since XXXX. XX/XX/XXXX for XXXX . I have reached out to Chase and was told that XXXX is not covered by purchase protection.
Consumer complaint received 2018-02-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (OH)

I was sent a loan modification application by my mortgage servicer, Ditech in XX/XX/XXXX. I promptly completed the application and provided them with all of the request documentation including pay stubs, bank statements, signed tax returns, etc. on XX/XX/XXXX. Ditech assured me that a decision on my loan modification would be made within 30 days. It is nearly XX/XX/XXXX and no decision is made and my foreclosure case continues to proceed in court. I call Ditech weekly and ask for an update on the status of my loan modification application. XXXX XXXX from Ditech is very polite and indicates that the " underwriters '' are still reviewing my application for modification and that they will contact me when a decision has been made. It has been far past the promised 30 day decision turnaround and I am growing increasingly frustrated with the tactics of Ditech.
Consumer complaint received 2021-03-02
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: ALLY FINANCIAL INC. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ALLY FINANCIAL Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.