davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (CA)

In XX/XX/ I was preapproved by Lennar Mortage to close on my property. I was advised that I need to put down {$25000.00} to hold the property. 

In XX/XX/XXXX XXXX XXXX XXXX at Lennar Mortgage decided to review my file. They are ignoring income on my tax return with the purpose of reselling the home for additional money. They also informed me that I would qualify if I filed single instead of married wh qualifying for the loan because my spouse 's properties resulted in a loss. Lennar Mortgage should not be allowed to discriminate based on marital status when closing on a loan.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

Complaint for {$2.00} minimum interest rate charge. 

I try to keep a XXXX  balance on my Macys credit card. 
I had a zero balance. 
XX/XX/20 charged {$68.00}. 
XX/XX/20 I went to pay my balance but it said it was {$70.00}. 
XX/XX/20 I paid the {$70.00} for fear that if I didnt, it may cause me issues. 
XX/XX/20 I called and spoke with Macys. 
The representative said he would speak with someone about reversing it and put me on hold. He came back a few times and said he was completing it. Seemed like he didnt want to answer what it was for other than to tell me that it was a minimum interest charge. He was very quick each time to keep me on hold. 
He came back and said the reversal was complete. When I asked if I was to expect it to happen again and why was I being charged this, he disconnected the call. 

I shared this with a friend and she told me that the same thing happened to her so she cancelled her credit card. 
I dont want to cancel my card but have never been charged a fee like this previously on my Macys card.

Is it ok for them to do this? Seems a bit sketchy to me and with the millions of Macys card holders out there, {$2.00} for each adds up to a lot of money. 

Attached are : the receipt for {$68.00} on XX/XX/20. 
Statement showing the {$2.00} fee. 
Snippet of the {$2.00} fee. 
Statement closing date of XX/XX/20 showing the {$2.00} balance.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am writing this in regards to my home that is in a trial payment plan. We were given a payment plan in which we have kept the payments for four months. We are on the fifth and the sixth is the final payment. Recently, we heard from a third party that we need to be careful with Rushmore Loan Management because they cheat people. We are concerned that we have been making these payments only to be XXXX in the end. Our house is up for sale on the XXXX of XXXX. I am confused to why this is happening, even though we have been making payments? There should not be any type of sale going on for our home. We've also received multiple letters in the past about our home being postponed for foreclosure. This is also a problem/confusion. 

WE DO NOT WANT TO BE CHEATED! 

Its unbelievable to me how people can be cold-hearted during a pandemic and take someone's home from them and put them on the street. 

I would like CFPB to look into this and make sure that this is not the case.
Consumer complaint received 2020-11-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a credit card with XXXX XXXX. I have had excellent payment history on my account, until the national lockdown in XXXX, 2020. The world suffered from this pandemic and during this time everything non-essential was closed. We contacted XXXX XXXX immediately without the ability to contact a rep. We continued timely payments even though our NJ XXXX  is only at XXXX XXXX XXXX ( which equals XXXX seats ). I believe that reporting a late payment, while the world was shut down and experiencing uncertainty to the future, is completely unfair. 
As we continued with perfect payments, we are trying to purchase a home since our lease is expired and our landlord wants us out so she can sell her rental. Unfortunately, this negative reporting onthis account lowers my score unfairly. This derogatory reporting will affect our ability to secure a good mortgage or a fair interest rate. 
Please help a XXXX XXXX XXXX  survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (CO)

Apparently on or around XX/XX/XXXX this inaccurate and negative collection appeared on my 3 credit reports with TXXXX XXXX XXXX XXXX XXXX have never heard of this company and this is the first time I have seen this alleged debt. I have not received any correspondence prior to it being put straight on my credit reports. The negative reporting has damaged my credit rating and violates FDCPA by not providing proof of debt on where this debt came from, how was the amount owed calculated etc. The reporting indicates that this debt was opened on XX/XX/XXXX. I have no accounts that I opened on that date or even that year that would be related to this.
Consumer complaint received 2017-12-10
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. (GA)

Transunion deleted my Bankruptcy on XX/XX/XXXX, but then re-added it to my report. It was deleted and should remain deleted. Also they are reporting XXXX XXXX XXXX which should be deleted in XX/XX/XXXX. 
XXXX payments were not late My balances are incorrect for the following accounts : XXXX XXXX XXXX
Consumer complaint received 2020-11-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} XXXX with XXXX, XXXX, and Transunion. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (GA)

In XX/XX/2020, the property located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX was under contract and set to close at the end of the month. With that being said the payoff had been sent and was awaiting the closing instructions from the attorney and lenders. The intended buyer was laid off due to COVID issues at her job. When this occurred it was XX/XX/XXXX. As soon as I, ( the owner ) was notified the sale would not go through I paid the mortgage for the month. Amerihome reported the payment as late. I have NEVER had a late payment or missed any payments with any company. The home went back on the market and closed in XXXX. However, this late payment ( derogatory payment ) went on my credit report and has affected my credit score. 

Please assist me with removing this erroneous error. 

The loan number is XXXX
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

XXXX XXXX should not be on there. This has been going on for 10 years, I have asked before to take it off three times. Please take it off, which I was told it would be every time I report it.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Accounts Need to REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NJ)

I was so shocked when I logged into my cfpb account and saw it was closed just because the company responded. I con not believe this. There is no resolution. They simply told me they can not find my payments from XXXX to XXXX and you close the account with any investigation. As an XXXX year old, I was relying on you to help me. I am in the same position I was in when I first contacted you. I made several calls upon receiving their response and the agent has not returned my call. I want this case re opened so that I can get resolution since the consumer financial protection bureau as I read your website will help with these types of situations. I am still in complete shock that you closed my complaint before getting any resolution from me as the complainant.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2017-12-10
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. (GA)

I have disputed XXXX XXXX XXXX with Experian numerous times. The account is charged off and closed and should be deleted in XX/XX/XXXX, however, Experian is the only credit reporting agency who refuses to delete it stating it is scheduled to remain on file until XX/XX/XXXX. My first delinquency was in XX/XX/XXXX, therefore, the account should be removed within 7 years.  XXXX and XXXX have confirmed they will remove it in XX/XX/XXXX. Why is Experian discriminating against me? 

Also, Experian, is reporting an inaccurate account from XXXX University that does not belong to me for {$2700.00}. Several months ago they deleted the account, but now have allowed another collection account to report it using a different account number. This is ILLEGAL. 

Also, Experian is not reporting all of payments accurately for the following accounts : 1.  XXXX - was not 90 days late in XX/XX/XXXX, Experian did not report my payment for XX/XX/XXXX as  well. Other credit reporting agencies are reporting accurately. 

XXXX - did not report my payment for XX/XX/XXXX XXXX XXXX - paid account, balance of {$490.00}. Please delete.
Consumer complaint received 2020-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NJ)

I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. Quality Asset Recovery LLC is reporting this false information.
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX I have unauthorized inquiries on my credit report. I have called the companies and mail request to removed these inquiries off of my credit I 've advised the credit beruae but not was done ... 
Here are the ones. 

I never applied for XXXX XXXX XXXX- i see several times on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have been a victim of identity theft and I notified XXXX, XXXX, and Experian about this XXXX XXXX account showing up on my credit report as a charged off account. I have been notifying them for months and even sent police report and somehow this account still gets updated and verified as accurate. The only credit bureau who actually did the right thing and removed this inaccurate account was XXXX. I don't see why this account did not get removed from Experian and XXXX  as should.
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (MN)

If you look at the paper work I have attached you will note they claim they sold my loan in XX/XX/XXXX to XXXX XXXX that may be true I have no idea but I know one thing they repossessed my truck in XX/XX/XXXX. They try to say that happened on XX/XX/XXXX. 
The payments stopped in XX/XX/XXXX if they were to repo it in XX/XX/XXXX that would be 10 months without a payment. The XX/XX/XXXX date would be 6 months with the holidays at the end of the year. I know the date of repo as my insurance was canceled the following monday XX/XX/XXXX. They have been asked several times by me to produce paper work from the repo for me they have not. If you look at the XX/XX/XXXX letter you will note that they admit they caused the delinquency of my loan but fail to address the loss that I suffered by such and sent a check for XXXX not even close to what they in fact owe me. 
How can a Bank be so confused? They claim on XX/XX/XXXX I called and asked for them to repo my truck that is 100 % false and a lie. They have learned nothing by the actions taken so far against them. They are getting worse and 1 of 2 things needs to happen they need to refund people in full without lies or 2 go out of business. Wells fargo Bank is doing no one any any good the way there still doing business. It is XXXX and they have been playing games like this for 20 years there is no reason for this at all. NONE
Consumer complaint received 2020-10-30
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

i payed 30 % of my debt with Citibank credit cards and in return the decreased my limit within one day of my payment and the consequences of that will hurt my credit score even more.

the have already reported me for having used up my credit limit to 90 % and now when I bring it down to 60 % the decrease my credit limit.

that is total abuse of human kind. 
i will fight this tooth and nail!
Consumer complaint received 2017-09-08
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. (NH)

Filing this report pursuant to Equifax security breach. I have checked with their to see if I have been affected and have been told yes. I want to formally file a complaint due to the breach.