davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had taken a home equity loan with Citizens One. This year the loan came due. They told me they were going to foreclose on my house if I could n't pay them XXXX. I was never late or missed a payment. I have been trying to modify this loan for a year this month. I have been through the process 5 times now. My home is worth XXXX. Because of a divorce and other issues that are coming to an end this month I could not come up with XXXX. Please help! I can make payments as I always did and do n't want to lose my home I 've had for 27 yrs. Because of this the have trashed my credit. It 's clear to see on my credit report. Please help
Consumer complaint received 2021-02-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (AZ)

im on a forbearance program and every time i call and asked for the modification to be done i get a run around one person told me not to do anything ill get a letter in the mail the other people are telling me to apply for the modification no one cant get me anything done and I'm getting tired of people talking to me like im stupid and i don't know what im talking about every time i ask for a supervisor they refused to put one on the phone and transfer me to customer serviceher id # was XXXX or XXXX
Consumer complaint received 2018-07-13
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: EQUIFAX, INC. (FL)

Equifax is listing an outdated credit inquiry on my credit report from XXXX XXXX.

The date of the inquiry is XX/XX/2016. 

It is over 2 years old. 

I have notified Equifax to remove it, but to no avail.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (FL)

Midland Morgtgage is reporting mortgage delinquency payments during forbearance program approved by previous mortgage company. ( XXXX XXXXXXXX XXXX ). I never paid late to Midland Morgate, and Midland Mortgage failed to verified proper forbearance approved documentations prior adquiring the new loan. ( 2 forbearance signed document packages were submited to XXXX XXXXXXXX XXXX  during forbearance program on XX/XX/2020 ). Because of this wrongly report to my credit, I was denied with a mortgage loan to buy a property. Before this issue, my credit score was XXXX, after wrong report was made, my credit score went down to XXXX and jeopardized all my financial stability.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-28
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS XXXX DIFFERENT ADDRESSES, XXXX DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE XXXX NAME AND LIVE AT XXXX ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on TRANSUNION. A letter was sent to XXXX to ask them to stop, but in response, XXXX has now updated that status to current on XXXX  as well. Credit score dropped 26 points.

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

As of XX/XX/2018, Equifax somehow STILL has these INVALID addresses on my credit report, if you view my XXXX report, you will see that they DELETED all the addresses, but, somehow, EQUIFAX seems to STILL have them on my report, I have tried 5 times before making this complaint
Consumer complaint received 2017-08-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

They ( Planet Home Lending ) are constantly calling me, even after I just made a payment. Tonight X/X/17 they called me at XXXX XXXX Pacific time. They are harassing me, even though we have discussed options, and payments. I 'm tired of being treated like a child. I want this to stop. They are causing a great deal of unnecessary stress and discomfort in my life. I know I 'm behind on the payments, but I am continuing to make payments, and am currently working on a long term solution to my problem.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GFS II, LLC (IL)

On XX/XX/XXXX Gateway Financial Solutions repossed my car with my property in the car, my children 's XXXX, clothes shoes, my purse, my driver license and my ear pods, They have refused to give me any of the said items including my cash in car of XXXX $ I would like 2 retrieve my items. THEY ARE ASKING ME TO MAKE A PAYMENT OF {$150.00} TO RETRIEVE ALL ITEMS IN VEHICHLE. THEY HAVE REFUSED TO GIVE ME ANY ITEMS
Consumer complaint received 2020-03-27
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. (MD)

I have had so many issues with EQUIFAX that I have sued in court and I have a court date on XXXX concerning the myriad of issues. I am now complaing how EQUIFAX reports my information to potential loan creditors. I recently applied to XXXX for a loan. Despite having a score of XXXX. I was turned down EQUIFAX reported that I have delinquencies and inquiries. The inquiries in question are for myself shopping around for a mortgage refinance. Therefore this should not have been reported as such. Inquiries such as this are viewed as 1 inquiry. In addition on my EQUIFAX report they have some of the same inquiries twice. 
They have reported that I have delinquencies. I have none. 
EQUIFAX has people who work for them who are changing information in peoples credit reports for retaliation. They are Doing this at the behest of persons in different lodges and communities. They are letting people sabotage peoples lives by tampering with the report. EQUIFAX employees has changed the birthdate on reports or added delinquent accounts back on after they have been deleted. My Birthdate was changed, after no issues in my entire life with EQUIFAX. They refused to change it until I got help from the CFPB. There is no way that someone birthdate should be changed after many years unless it is foul play. 
EQUIFAX continuously causes me to be turned down for credit despite the fact that my score is XXXX and I was recently approved for a XXXX car loan by XXXX XXXX XXXX XXXX. I cant even get a XXXX $ loan because EQUIFAX reports severe delinquency even though this is not true. 
I am asking again to investigate why this us happens
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/XXXX, and XX/XX/XXXX, Transworld Systems I added derogatory marks on my credit report to all 3 credit bureaus. Upon, further research, these accounts were transferred and sold and I am no longer responsible for the account. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Transworld Systems I has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (TX)

I took out a loan w exeter finance thru a new car dealer - I paid XXXX XXXX in finance fees - I paid 3 payments - before schedule- I went in hospital with XXXX- XXXX XX/XX/XXXX XXXX I thought the loan was auto pay - it was not In XX/XX/XXXX - my car was broken into through front and damage was XXXX - my insurance - XXXX sent me a check made to exeter finance and myself - I called exeter and explained-I asked to endorse check and send to exeter and said apply 2 payments - XXXX per mo x 2 from check - apply coverage to acct or send to me - exeter agreed and I said I'd XXXX to them - I did and it was received next day - I called and they said they did receive- Now there saying they would return check to me - but held the check - saying they need repair bill - per my attorney XXXX XXXX- she sent them demand letter to return check or apply to my acct - Exeter reported to the credit bureau late payments twice causing my score to drop 100 points and my credit cards interest to 22 % Costing XXXX est - They sent me a letter saying they reported correctly- Exeter is defrauding me - lying to me - On a recorded line they said they would apply to my acct - I paid XXXX XXXX Now ruined my credit by fraudulently reported inaccurate to all 3 bureaus There still holding my check from XXXX XXXX says they will see if they can issue new check- supervisor checking Not the 1st time w Exeter issue XXXX replied Cfpb has numerous complaints on exeter concerning fraud - I want the payments applied to account or check returned I sent in additional payment XX/XX/2020 I want my credit corrected or I'll sue exeter For false pretence and verbal fraud of financial instrument -
Consumer complaint received 2018-05-13
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: TD BANK US HOLDING COMPANY (NY)

I had been told by credit card company 's below this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XXXX  XXXX opened XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) XXXX XX/XX/XXXX closed XX/XX/XXXX ( fraud i never authorized ) All three companies had acknowledged there was fraud during this time period and to my understanding each one was going to make sure this wasn't on my file in closed accounts anymore which I had requested and was agreed upon by each company 's supervisor.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (FL)

Victim of fraud. My Information has been sold to the dark web. FTC reported Ever since someone has been trying to fraudulently using my identity I Have been trying to contact Transunion regarding fraudulent inquiries but no answer due to high call volume. 

These are the unauthorized Inquires on my consumer report. 

XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2017-08-03
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. (OH)

I was recently denied a parent loan by the XXXX XXXX due information reported to credit Equifax and other credit reporting agencies. The information reported on my credit are as follows - creditors and amounts are : 1. XXXX XXXX for {$930.00} 2. XXXX XXXX XXXX for {$1800.00} 3. XXXX XXXX  {$84.00} 4. XXXX XXXX , XXXX {$110.00} I contacted Equifax and reported the above information as misleading, and they deleted the {$84.00} and {$110.00}. The rest of the reported information was not deleted because according to Equifax, the creditors refused. The fact is I do not have business with people and do not know what these outstanding debts are about. I am asking you to please intervene as I need to get my parent loan approve so my daughter can attend college this fall. Thanks
Consumer complaint received 2021-08-09
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. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 650 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I called the credit bureaus and ask them to remove some personal information off of my credit report they removed some but some personal information is still not off. I also sent letters on XXXX separate occasions and some personal information is not off as I requested. I want my personal information removed and updated.
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (NY)

I signed up for an interest-free loan for a purchase made through XXXX XXXX for flooring in XXXX of 2023. I was told the interest-free promotional period ended after a year and that I would be notified when it ended. I immediately signed up for electronic notifications. In my XXXX, 2024 notice ( on XX/XX/XXXX ), I saw that I owed {$1200.00} more than expected. I went back to the email I received in XXXX, 2024 and saw no indication that my promotional period was up and that I would be charged back-interest for the entire year. I logged on to my Wells Fargo account and downloaded the XXXX statement and saw a note in tiny font in the middle of the page that my promotional period was up. I immediately paid the remainder of the balance, minus the interest. My husband called Wells Fargo on XX/XX/XXXX to try and resolve this issue as their email did not provide proper notification of the promotional period expiration and they refused to negotiate or reduce this egregious XXXX XXXX interest, because I didn't pay it by XX/XX/XXXX. This is predatory lending at its worst. If you sign up for electronic communication, any urgent notices should be clearly stated in the email.
Consumer complaint received 2017-08-04
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. (WA)

I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

To Whom It May Concern, Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLCt. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove Midland Funding LLC from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Funding LLC removed from my credit file. Sincerely,
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im reaching out about Transunion consumer reporting agency and the lack of transparency XX/XX/XXXX I sent disputes about unlawful late payments and unauthorized inquiries that were reporting that I did not sign for anything thats not attached to an account is not authorized by me and there for fraudulent which is identity theft, Accounts # ( XXXX XXXX XXXX  ). I was never notified of an investigation or findings about either of these disputes. Late Payments are illegal according to Cornell Law 15 USC 1681A ( 2 ) ( a ) ( i ) It states *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need all unlawful and inaccurate information deleted and updated to not return