davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

i have sent Experian several letters stating that there are inquiries on my credit report that were not authorized by me and they are still reporting. i have asked XXXX to provide me with proof that i authorized these creditors to inquire my credit. the following are : 1.US SM BUS ADMIN ODA- XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021, there was a debt validation letter sent via certified mail directly to the creditor XXXX XXXX XXXX XXXX XXXX. However, to date, I have not received a response back from the creditor. 

On XX/XX/2021 there was a letter sent to the 3 credit bureau XXXX Experian, XXXX XXXX  XXXX for inaccurate account information being reported, and to have the information verified and method of verification requested. On XX/XX/XXXX, I received a letter from XXXX that the information was updated, however my requests for the method of verification was not fulfilled. 

On XX/XX/2021, I spoke with a XXXX XXXX XXXX for Experian XXXX, and he informed me that the information was verified by the company, and that he could only open up another dispute on my behalf. He also informed me that I was not allowed to know the method of verification. 

On XX/XX/2021, I contacted XXXX XXXX XXXX, they informed me that, they are reporting the information correctly. However, they sold the debt to another company. 

As of XX/XX/2021, I have not heard anything back from XXXX
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX XXXX .... I have no long term dept.. I do have a few credit cards that I have always paid off monthly... There are no interest bearing balances and there have not been any for years .. My credit score for years has always been over 800 ... Now, this year, my credit score is constantly being lowered and is now XXXX for no reason... Transunion does not allow me to pay off any monthly credit card balance before lowering my score each month.. When I complained to Transunion they said that is their rules and every time I call they will lower my score 2 points which they did.. I believe they are discriminating against me due to my age ( XXXX )...
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

The CRA 's are reporting false Public Record information in my credit profile. 

RE : XXXX XXXX XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include XXXX, Experian and XXXX. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX  XXXX XXXX Original creditor : XXXX XXXX Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please
Consumer complaint received 2021-04-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (NC)

Id like to report the following company and individuals by that company for fraud and the above UDAAP issue. 

XXXX XXXX XXXX XXXX XXXX of company movement mortgage My witnesses to the fraud and lending issues are my family. 

Movement mortgage is dishonest and practicing classism and racism for potential XXXX home owners. 

Preferential treatment and interest rates and advisement are given to More affluent Customers where as less fortunate Customers are given incorrect, improper inappropriate advice with high costs to Poorer customers over the course of time. 

Movement mortgage should not be allowed to lend in the states of VA NOR NC AND any other states they are permitted to do so. 

I have been advised by XXXX XXXX various numbers that do not add up or when asked been given different numbers on the same day for the same loan type and home or address. 

I am now subject to being homeless after the dishonest sales tactics conducted by movement mortgage. 

I was also refused by movement Mortgage to have numbers forwarded over the course of the past few months when I requested a breakdown of the numbers and how funds would be allocated. 

XXXX XXXX XXXX
Consumer complaint received 2020-12-11
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. (FL)

i have sent Equifax several letters stating that there are inquiries on my credit report that were not authorized by me and they are still reporting. i have asked Equifax to provide me with proof that i authorized these creditors to inquire my credit. the following are : 1.XXXX- XX/XX/2019 2. XXXX- XX/XX/2019
Consumer complaint received 2023-04-04
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. (TX)

Seriously, it's been a month since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my 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
Consumer complaint received 2024-02-25
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. (NC)

XXXX XXXX  popped up on my credit report with a debt supposedly from XXXX. first it was one for {$440.00} then it was one for {$1100.00} I have never had a XXXX  account and so I disputed it multiple times and they still wouldnt delete it I got access to the XXXX XXXX  because they emailed me about the debt and when I logged in I see that it is under somebody elses name using my email account doesnt even belong to me and it is being put on my credit due to my email being used which is completely illegal This needs to be removed from my account immediately.
Consumer complaint received 2021-10-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Tiptree Financial Inc. (TN)

Deadlines were missed due to this mortgage company and XXXX due to major inefficiency and inability to hit KNOWN deadlines. This caused me to have to pay 1 % of purchase price of loan twice to the builder in XX/XX/2021 and XX/XX/2021 for missing close dates. For each month the deadline was the last day of the month. Neither deadline was met by the mortgage company or lender. We were asked for documents that the underwriter needed and in each instance documents were sent back within hours. I finally received clear to close documents 42 days after my deadline. The builder cancelled the contract. The cost of each month was {$8600.00}, so that total is {$17000.00}. The house has gone up in value approximately {$70000.00} based on the purchase price and the appraisal. The builder actually put the house on the market for XXXX. Not to mention the thousands of dollars I have spent on XXXX XXXX  and hotels waiting for these documents. We would like to reimbursed XXXX ( cost to push closing twice ), {$70000.00} ( equity we lost in the house ), {$150000.00} ( lost equity ) our cost for hotels and XXXX  for XXXX, XXXX and XXXX ( {$16000.00} ) and I don't even know how to figure a cost for the pain of suffering of having to move my family from place to place because we were given dates things would be ready for TWO months. If you add up these totals, it's XXXX we are asking for reimbursement including {$50000.00} for pain and suffering. This is an errors and omissions type of claim. Totals XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion, XXXX and XXXX Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more than 30 days still no update so NO investigation was done. This a violation of my right delete these account immediately From XX/XX/XXXX to XX/XX/XXXX and even before that NO NOTICE OF DISPUTE so no investigation was done to my credit delete immediately for this violation. 

FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2020-08-31
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. (TX)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NE)

Earlier this year I applied for a forbearance on my mortgage loan due to increased expenses during COVID-19. 

Prior to going into this forbearance, I was told that there would be no negative repercussions for doing so. 

What I was not told is that I would apparently need to make 3 consecutive payments in order to get a new mortgage loan. This was not stated in any of the documentation I received during the forbearance period ( see attached ), nor was it stated to me when I came out of the forbearance with the need to apply for a new mortgage loan. 

I am being told that because I have not made 3 consecutive payments on my mortgage I can not get a new loan. Additionally, when I called to Wells Fargo to take my loan out of forbearance, I was not informed that had I chosen to make a lump sum payment for the amount of missed payments that I would be able to apply for a new loan with no issues. 

So, both the documentation I received from Wells Fargo, as well as the conversations I had with staff through the end of the forbearance, did not accurately tell me what I need to do in order to apply for a new loan. Prior to this, my wife and I have not missed a payment on anything ( and still have not, as this was an approved forbearance ), have >800 FICO scores, and make enough money to qualify for the amount of the mortgage we are trying to get. I feel like Wells Fargo has been deceptive in their handling of our case.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

XXXX XXXX XXXX XXXX, XXXX, XXXX and Bank of America XXXX have inquiries that were not authorized reporting to my credit reports
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. 
Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. 
I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. 

this is truly misleading and mischievous. Now they would not let me talk to a supervisor. 
I saw that promotion on XXXXXXXX XXXX website and decided to apply to get those miles. 

Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. 

the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.
Consumer complaint received 2021-04-09
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. (TX)

Equifax is reporting a medical collection on my report that does not belong to me. I do not know where this account came from and there is no creditor listed on the account. This inaccurate reporting is causing me significant harm and needs to be removed immediately.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MA)

I made a lease payment a day before we ended up trading my lease in, I was not able to cancel my payment through my bill pay on my banking app and the payment was processed {$280.00} but was never returned to me, that was XXXX of 2019. Shortly after turning in my lease a received a bill for a entire year of property tax, which 1 only owned the vehicle for 1 month and a 1 day, I phoned Kia and spoke to them and told them that I would pay the pro-rated amount. They were not satisfied with that and wanted me to pay the full amount and they would reimburse me the balance, I told them that I could not trust them to reimburse me as I was still waiting for them to reimburse me my last payment. I asked to speak to a supervisor, was put on hold for quite some time, they came back and told me that a supervisor would call me back, I never received a call back. A month or so later, I received a bill in the same amount as the property tax but instead they were now calling it lease end charges. I do not agree with any of this. I was more than happy to pay my portion of the property tax, and I want my {$280.00} payment returned as it should of been. They have now reported to the credit agencies that my account is delinquent and has brought my score down, which is making it very difficult for me to obtain another lease at this point in time. i need these items removed from my credit report, i was never late on 1 payment ever and this is not right how they are handling this. I have an attorney who has written to them with no avail on three different occasions to try to resolve this. My credit score has dropped dramatically, and for me to obtain a lease now is almost impossible. I have lease from Kia previously and i was never ever late on any of my payments and i don't feel that it is right that they can do this to people over their mistakes and keep money that does not belong to them.
Consumer complaint received 2023-01-08
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: Capio Partners, LLC (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Assetcare LLC, XXXX XXXX XXXX and Capio Partners Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

This complaint is Experian credit Inc. On or around XXXX XXXX I called Experian to find out why my credit score decrease -21 points. I talked with Experian and was told they did not know why my score drop -21 points. In reviewing my Experian account there was on explanations to be found. Experian told that a dispute manager would call me and tell me what happen but was later no was going to call. I told Experian that I just paid off my student loans and my scores should have increase to an higher score. They told me there computer system give out the score and they do not have anything to do with the scoring of consumer credit score. Plus paying off student loans can negatively impact my score. Since they do not have anyone to review my credit report for any errors. I'm requesting for help from your agency to review my credit report. ( XXXX )
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NJ)

When CV19 hit, I had to shut down my business, as millions of others in America had to do.

The mortgage company offered a forbearance for 3 months. I paid all past due amounts after 60 days and this is still showing up on my credit report.
Consumer complaint received 2020-12-11
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: TRANSWORLD SYSTEMS INC (KS)

We were made aware of an account in collections for {$920.00} when we applied for a mortgage loan. We researched the issue and found out it was a medical bill from the XXXX XXXX XXXX, part of an insurance claim that mistakenly was not paid by our car insurance carrier under claim XXXX. I paid the collection amount immediately. Our insurance company reimbursed me as it was their responsibly to pay this medical bill from a 2017 car accident. The insurance company issued a letter acknowledging an error on their end and asked that it be taken off our credit report. I have been trying for 2+ months to get this removed. The company has not removed it when I have disputed it and provided documentation of such.
Consumer complaint received 2020-11-17
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. (CA)

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XX/XX/2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX XXXX. As relevant proof I disputed these XXXX XXXX XXXX accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous XXXX XXXX XXXX accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX credit report.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX  Account # XXXX, has violated my rights. 






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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions