davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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: Upstart Holdings, Inc. (RI)

I have contacted them before and they told essentially there was nothing they can do. How is the current balance of $ XXXX is still being shown although I have the current balance down to $ XXXX? Im trying to build up my credit and I thought this company was going to be able to help me out but the lack of effort is concerning.
Consumer complaint received 2023-01-20
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. (IL)

XXXX XXXX XXXX refuses to respect my right to privacy. They are reporting a debt to the XXXX major credit reporting agencies without my consent. I have contacted them several times.
Consumer complaint received 2020-10-22
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

Guaranteed Rate lender delayed my application. I had to constantly probe into its status. When they finally did contact me they denied the loan based on information I had given them from the start. This delayed my application, resulting in an opportunity cost of not continuing with other lenders, and has also caused the one month credit check report to lapse which means when I apply with another company a hard credit check has tbe rerun. 

I had informed them I had a duplex. I told them how much rent I was getting from the rental unit ; that I and my son lived in the main unit but also that there is rent from the main unit as it is near the campus and being a large home its extra rooms are rented. They did not take this information into account to figure out my countable income. After a long delay they finally said the rental income from my own owner occupied unit is not counted hence not meeting income to debt ratio. 

Their non-responsive, un-informing, uninformed approach has cost me delays, hence costs and a lowered credit score due to thirty day  lapse.
Consumer complaint received 2018-07-15
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. (GA)

XXXX is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXXr is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

I purchased my condo in XXXX and the lender sold the mortgage to Chase Bank. For the 2nd year in a row, despite receiving billing from my insurance agent, Chase Bank did not pay my mortgage insurance, causing my policy to go into termination due to non-payment. 

The first year, Chase worked it out and paid. But two year 's in a row is not acceptable. This time, on XX/XX/XXXX, they claim they overnighted a payment, but the are unable to find any identified shipper nor tracking number, and XXXX XXXX company has still not received the payment. Chase is unable to find in their system if the check was ever cancelled. 

At this time I am without homeowners ' insurance, which puts me at great risk. 
Date notice sent from XXXX to Chase : XX/XX/XXXX, due date XX/XX/XXXX Chase claims they received, but states the bill had no amount on it, yet would provide no proof of that. My copy had the amount on it so I don't believe them, especially not XXXX years in a row. 
Amount of the bill : {$320.00}, cancelled effect XX/XX/XXXX When I contacted my agent, XXXX XXXX, today, they stated XXXX had not received the payment. 

The supervisor I was transferred to stated it looks like the payment was not actually sent. He is investigating further but would not guarantee a resolution today, which I demanded given the situation.
Consumer complaint received 2018-09-21
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

A LOT OF FALSE INQUIRES FROM THE FOLLOWING COMPANY XXXX AND XXXX XXXX XXXX AND XXXX XXXX XXXX AND XXXX XXXX   AND XXXX AND XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

List of Unauthrozied Inquires on my TransUnion credit report that have not been removed : TRANS UNION XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-19
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. (NY)

Someone has sent applications in my name to these companies listed on this identity theft report. I did not do this & I don't know who has my information but this is fraud.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NY)

I closed on a mortgage loan on XX/XX/XXXX with XXXX XXXX XXXX. my mortgage loan was transferred to AmeriHome mortgage by the original loan originator in XX/XX/XXXX. The original loan was for {$240000.00} on a 30-year basis at an interest rate of 5.75 %. 

I aggressivly made prepayments to reduce the principal amount before the transfer and after the transfer. AmeriHome consistently misapplied these payments as future payments against interest, as opposed to against principal. When I contacted them numerous times by phone to complain, they applied the amounts against principal, but treated them paid against principal on the date of recharcterization as opposed to the date received. As a result, I paid approximately {$500.00} more in interest payments than I would have if they applied the prepaid amounts as of the date actually received. 

To avoid further overcharging, I paid off the remaining balance of the mortgage in its entirety in the amount of {$180000.00} on XX/XX/XXXX, and wrote to AmeriHome that day via email to request they research the overcharges for interest, correct the record to apply prepayments of principal as of the date actually received, and refund interest improperly charged. I have received no response. 

AmeriHome 's records confusing as a result of their misapplication of funds and recharacterization on different dates, making it very difficult for consumers to understand what they are doing. A single prepayment can thus have two or three entries. Even their own customer service staff have difficulty understanding the history due to their records. The accounting problem hides the overcharges, especially for consumers who are not adept at reading accounting statements.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, In XXXX I got a new leased XXXX XXXX. The lease was for 3 years. During the course of this loan, I had two issues with XXXX XXXX 's auto payment system. Once in XX/XX/XXXX and once again in XXXX XXXX When I realized it happened again, fearful my credit would be penalized, I paid off the remaining months of my payments early. When I returned the vehicle early, I was charged again with additional fees that were all paid on the date of return and the account was officially closed out by XXXX XXXX 
This all shown and recorded on XXXX. 
The past few years my husband and I have been looking to purchase a home. We went to sign mortgage documentation XX/XX/XXXX, I noticed that it incorrectly showed an active loan with XXXX XXXX. When I informed our lender, they let me know " There is a XXXX lease still showing up on your credit for {$1800.00}. '' This does not show up anywhere on my TransUnion or XXXX report shown in XXXX. This is the first this has been brought to my attention and I believe this has been negatively impacting my credit the past 3-4 years now. I tried to resolve this issue with XXXX XXXX and they seem next to impossible with communicating. I can not access my XXXX XXXX account because I no longer have an account number which is required to login. After further investigation, I saw I'm not alone and this has happened to other XXXX XXXX TransUnion consumers who turned to the law for help. I'm not sure if this is the right avenue to turn, but I'm hoping to get this situation justified without having to pursue legal action. I feel they have violated the Fair Credit Reporting Act. Thank you for your assistance in helping to correct this.
Consumer complaint received 2023-01-20
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXXBalance : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXXalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MEXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-11
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. (MS)

Received letter in mail from Citi bank stating that I may have been previously enrolled in credit protection for which I was charged a monthly fee. I did not consent to this program. Called number given on letter and was told to make complaint on line. I have a Customer Reference number Citi Bank sent. It is XXXX Account ending in XXXX
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc. (AR)

I WAS SUED IN 2011 FROM XXXX XXXX XXXX FOR TWO XXXX  XXXX XXXX CREDIT CARDS..NOW THIER IS 2 JUDGEMENTS. THESE ARE LISTED IN BK. XXXX
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Credit Reporting Agency only replies with account verified. 

XXXX  has removed XXXX XXXX Account history due to an agreement honored by XXXX XXXX and myself. Their reporting date is XXXX of each of month. Experian is still reporting this inaccuracy that they are in fact not getting from the Original Creditor. I confirmed the honor of my agreement with customer service representative XXXX by calling ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX at XXXX. The account is listed as XXXX and if any Agency has this XXXX XXXX account listed as an entirely different account number then just be aware that I only have one XXXX XXXX account and it should reflect any delinquencies or derogatory information at all. 
Experian is also still reporting derogatory marks on my credit report for XXXX/XXXX XXXX : XXXX, which was deleted by XXXX  & XXXX  after a satisfied agreement with creditor/inhouse collections back in XX/XX/XXXX.
Consumer complaint received 2023-01-20
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. (FL)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was opened without my consent. I recently found out because I had my lender run my credit for a home loan. I filed a police report and submitted this to the creditor and the credit bureaus and they all still refuse to remove this from my credit. I have been fighting this account to be removed from my credit for months now and even with my police report as evidence of this account being fraud they refuse to remove this which is hurting my credit immensely!
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2019-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

This is my 2 time making complaint about Well forgo I live XXXX XXXX XXXX XXXX XXXX La XXXX for 20 years in XXXX XXXX LA. XXXX I was in process of renovation of XXXX XXXX XXXX XXXX XXXX LA. XXXX I was in repayment also because I was paying rent to keep in mind this not easy because the house was hit by Hurricane Katrina and Rita but I was trying to make it liable for my family. They Wells Fargo sold the property. I have telling this story many of times with no help we My brother XXXX XXXX took very ill at that time he had ( XXXX XXXX ) power of attorney, Tring very hard to help me brother get better maintaining the house and living on a rental property while the house was in renovation was a very challenging time for me and our family. We put a lot of work into the property to lose it and thy know our situation. This took place XX/XX/2010 If you can help me please let me know. My address is XXXX XXXX XXXX XXXX La XXXX It very hard to pass by XXXX XXXX XXXX XXXX and the house is turning into a blotted house, I can send picture of the house before foreclosure. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

Called MDS on XX/XX/19 at XXXX. Representative told me they sent statement out but never received, asked for info so I could pay online once I verified who they were, refused to provided because they would have to rekey it on their side so it would just be easier to provide to her and claimed she didn't know what info the website asked for- is this not your same company? Asked if they could resend statement and said already sent once so no, just kept repeating the balance due. I advised I was unsure why a statement couldn't be sent out again and the representative got loud and said she had already told me 4 times that they sent it out once and that BY LAW they don't have to send me anything else because I had 30 days to dispute the debt, and I guess that time frame had passed. I clarified again what she said repeating " BY LAW? '' to her as the reason she couldn't provide me information and she said yes because this isn't customer service they are a collection agency. I verified who the original owner of the debt was and disconnected the call because she was continuing to be loud and rude when all I wanted was information on what this was since I wasn't aware.
Consumer complaint received 2017-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

Over the past several months i have been disputing this account and they keep saying that it is verified through the credit bureaus. I 've sent letters directly to the Creditor and the bureaus and the only thing i 've recieved back from the company is a bill from a doctors office that does not belong to me and a address that i 've never lived at before.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (LA)

I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS.I AM A THIRD SO I 'M THINKING THIS ACCOUNT HAS BEEN PLACED ON MY ACCOUNT IN ERROR BECAUSE MY BROTHER RECALL HAVING A XXXX ACCOUNT WHOM HAVE SAME NAME.
Consumer complaint received 2020-10-22
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. (NV)

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2.  XXXX 3. XXXX  XXXX and a medical company which was not opened by me or authorized by me.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (FL)

There is a debt of {$400.00} on my credit that says an account has been opened this year on the XXXX of XXXX. I did no such thing that I can recall and would like some kind of proof of what kind of account and from where. I filed a dispute and all XXXX told me was they verified that I did open an account and basically telling me I have to pay but gave me no other information in fact wants me to PAY just to see more information regarding this issue. That's ridiculous! I dont understand what's going on. All I want to know is what kind of account was opened XXXX of this year, from where and how?