davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
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. (CA)

From XX/XX/2020 to XX/XX/2020, my Equifax score plummeted from a FAIR XXXX to a POOR XXXX. The same dramatic decrease did not happen with the other two major credit reporting bureaus ( currently XXXX & XXXX ) and nothing major happened in those 30 days to justify such a drop of 41 POINTS. 

When I asked the customer service rep ( and then the supervisor ) if there may have been a computer error, I was told that " the score is the score '' and that I would just have to " deal with it ''. 

I received no concrete insight or proof as to how that drop may have occurred, but given that NO new collections accounts were added and all payments were made early or on time ... AND ... the fact that older collections accounts have less impact as time goes on ( not more ), BUT if they do ... it is a decrease of maybe 3, 5, 10, or even 20 points ... NOT 41. 

What recourse does a consumer like myself have against these credit bureaus that control our lives with these three digit numbers? What accountability do these companies take, if any? 

As far as I'm concerned, this potential error has set me back up to 6 months and negated much of the credit repair work I have been diligently doing.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, my partner and I applied for a home loan refinance. Our plan was to refinance and use the equity in our home to pay off debt. We explained to the loan officer at the beginning of the process that there were gaps in employment, and a drop in income in XXXX and XXXX due to covid. We explained that my partner was laid off in XX/XX/XXXX, and brought back on a limited based in XX/XX/XXXX as a XXXX employee. He came back to work full time in XX/XX/XXXX but remained XXXX. On XX/XX/XXXX we were told that the loan was approved with conditions. Conditions were title, updated homeowner 's insurance, payoff quote from current lender and most recent credit statements for payoffs. Due to hurricane XXXX an inspector was sent to our home to assess the damage. On XX/XX/XXXX we were told that we were required to complete repairs in order to move forward. We completed the repairs, which were costly and out of pocket, and provided paid invoices and pictures of the completed work. On XX/XX/XXXX we were told that my partner 's XXXX income was considered self-employment. We were then required to supply a profit and loss statement and XXXX and XXXX tax returns. On XX/XX/XXXX we were informed that the loan was denied because the tax returns do not show sufficient income. The denial letter also states excessive obligations in relation to income, which is not true based on the fact that most debt was going to be paid at closing. When I spoke to the sales manager and asked for an explanation of income guidelines surrounding covid, she said that income guidelines had become stricter due to covid. XXXX was taken into consideration for me as a XXXX XXXX, but not for my partner who had been laid off during covid and forced to return as a XXXX XXXX. These unfair and deceptive lending practices have left us in worse position than when we started this process.
Consumer complaint received 2018-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (CA)

I had to take this loan to help out my family. I am struggling paying off right now, interest rate and every two week almost {$300.00}. I need easy payment plan and remove them from my credit report cause they are  illegally put my information in there.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On XX/XX/2020, I sent out dispute letters to have XXXX & Equifax remove multiple errors on my credit file. It has been over 45 days and I still have not gotten a response or any results for the dispute. XXXX has already corrected the error since I have sent off the letters in the mail. I understand that under the FCRA that XXXX & Equifax have to remove the errors on my credit report since they have not responded with the 30 days allowed by law which has caused me hardship during this Covid 19 pandemic with my finances. I've also have called to resolve this issue with no progress.
Consumer complaint received 2017-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK MORTGAGE PARTNERS LLC (MD)

We have purchased our second home mortgage through XXXX XXXX XXXX. This was complete XX/XX/XXXX. The loan was sold to XXXX within the month after we settled. Now we received a text from Hancock Mortgage partners llc former representative for the company XXXX XXXX ( who has left that company ) to notify us that XXXX XXXX the mortgage processor sent us emails that they need more information ( that they missed ) about our Primary home mortgage insurance coverage to calculate the debt to income ratio. We received the text Wednesday XX/XX/XXXX. We were not able to get complete clarification on why they needed more information and the email reads they will call up the note if they do not get this information by Friday. I sent an email Thursday evening hoping to fix the issue with further information on how this will affect the current loan in place. Her response email is she is now out of the office till MondayXX/XX/XXXX. I tried to call XXXX XXXX but no response to my voicemail either. 
We have paid on time. We have asked prior to settlement if anymore information was needed but it appears due diligence on the companys part was not done as they now need to calculate the debt to income ratio again. 
I feel this is unfair to the consumer as we did our part already and now it is six months later. We do not even understand why XXXX is not contacting us but Hancock Mortgage who already sold the loan.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : 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
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: CITIBANK, N.A. (NJ)

I have a credit card with Best Buy. 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 Best Buy immediately without the ability to contact a rep. We continued timely payments even though our XXXX XXXX is only at 25 % capacity ( which equals 17 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 small business owner survive these uncertain times and help us enjoy our hard work & perseverance as a survivor and not a victim. Thank you!
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (GA)

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I contacted equifiax in XX/XX/XXXX to Dispute Unauthorized Credit inquires listed on my account that i had noticed after viewing my credit report. I was told to contact the companies that reported the inquires, and did just that and had gotten no where. 

Creditors name : XXXX XXXX Unknown inquiry, please delete Inquiry date : XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX/XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  Unknown inquiry, please delete Inquiry from XX/XX/XXXX XXXX XXXX XXXX Unknown inquiry, please delete Inquiry from XX/XX/XXXX
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with Navient and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On or about XX/XX/2020 I disputed several unverifiable items with experian and the failed to investigate the disputed items within 30 days. Moreover Experian failed to provide the information on file concerning the disputed account as stipulated by section 609 of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-23
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. (TX)

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 2020-10-30
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. (LA)

I have had a credit repair company XXXX XXXX XXXX multiple times and the federal school loans will not corporate with them that I pay to try and reach out to get the information correcred XX/XX/XXXX thru XX/XX/XXXX I have myself today once again, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been trying to been disputing these accounts since XX/XX/XXXX. Comments where added : different on all 3 reports, payment status do not match, account details. I get a three bureau credit report from XXXX every 2 months. I can send my credit report if needed and I have tried to contact the original creditors and they tell me they can not do anything at all for me. The credit bureaus or reluctant to help and only agree to help since I said I was reporting to the FTC and my credit score goes down everytime I ask for a dispute because they put comment on my credit reports. My current school loan is current since this year. I am asking for accurate information and all 3 credit bureaus to match. The school loans are allowed to get away with sloppy reporting and its hurting my credit because of the classification and not all being removed from my credit report if it was from another once I disputed it. I can gladly send a credit report so you may see yourself.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

On XX/XX/2020, my partner and I applied for a rate and term refinance on our owner occupied home with loandepot. As of today XX/XX/2020 ( 67 days later ) we have not received an approved or denied status of our application despite numerous requests. Here is a timeline : XX/XX/XXXX - Applied. 
XX/XX/XXXX - Charged {$490.00} for a home appraisal that has not taken place - I would like this refunded to my credit card immediately. 
XX/XX/XXXX - Charged {$20.00} for I don't know what, I assume a credit check? 
XX/XX/XXXX - In writing, loan depot attempted to cancel the loan citing that I did not wish to proceed with the loan. This is absolutely not correct and I clearly stated that verbally and in writing that day. At no time ever have I indicated not wanting to proceed with this loan. 
XXXX XXXX XXXX - Have asked for a status update ~8 times ( 5X verbally, 3X in writing ). Only one time was I given an answer which was that loan documents would be out no later than XX/XX/20, three days ago. 
XX/XX/XXXX - Submitting this cfpb complaint and disputing the {$490.00} charge with my credit card company. 
I would prefer all communication in writing going forward.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (IN)

XXXX university sent a debt to conserve for collects. I was never fully enrolled until college. I did not meet all the requirements to be enrolled. This debt is for classes that I couldnt not take due to not being enrolled
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: C/C Financial (TX)

Date : XXXX Amount : {$4900.00} XXXX  XXXX  made a fraudulent account under my name! 
Action : I received a XXXX police report stating that my identity has been compromised! 
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX  has not removed the fraudulent account from XXXX XXXX. All because XXXX XXXX made a fraudulent account under my name!!
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I started an application with Rocket to refinance my home on XX/XX/XXXX probably around XXXX EST. When I got to the screen where I asked for consent to pull my credit report I did not proceed. While I was on that part of the process I noticed that there was no option to add a co-applicant. I went back to a prior screen titled 'Who 's on the Loan '. When that did not let me add a co-applicant if I selected that I was not married I engaged in their chat feature. The first agent I chatted with transferred me to XXXX XXXX who said he was a banker and could add a co-applicant later. 

At XXXX XXXX  the next day ( XX/XX/2020 ) I received a text from XXXX XXXX stating an interest rate he had qualified for me for. Around that time I received alerts from two credit card companies stating I just had a credit pull done. I never authorized a credit pull, never completed the application and up until that time on the XX/XX/XXXX I did not even log into Rocket Mortgage, communicate with XXXX XXXX or had contact of any type with any one associated with Rocket Mortgage or XXXX XXXX. 

I would assume that if I would have authorized a credit report to be accessed on Rocket Mortgage 's website it would have been done right then through their system and not the next day.
Consumer complaint received 2018-10-13
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)

On XX/XX/XXXX I contacted the credit reporting companies disputing multiple inquiries that unauthorized on my credit report. XXXX  failed to properly investigate into the situation for me.i disputed the below inquiries : -XXXX XXXX placed on XX/XX/XXXX -resident check places on XX/XX/XXXX -XXXX/XXXX XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX and XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX XXXX placed on XX/XX/XXXX -XXXX  XXXX placed on XX/XX/XXXX These inquiries were not and have not been authorized my myself at anytime in the past or new future.
Consumer complaint received 2020-05-18
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. (FL)

Remove account which never belong to me and was opened like a fraud. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

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

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-05-18
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: Penn Credit Corporation (PA)

There is an open balance on my account from XXXX XXXX  In the amount of XXXX. This action was opened on XX/XX/2017. I have tried to set up payment arrangements at the time of original collection and it wasnt able to be done. My financial situation at the time would not allow a debt of this magnitude to be paid. The company has since sent the debt to a creditor.