davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
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. (MI)

I believe I have fallen VICTIM of their inquiry issue. 

My TransUnion Credit report is showing multiple hard inquires that I am not aware of as I keep a very close eye on Credit Reports working had to maintain an Excellent credit profile. 

XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FREEDOM FINANCIAL NETWORK (CA)

I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization, such as auto loans, bank accounts, as well as apartment rentals, have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. Account : Achieve Personal Loans Account XXXX XXXX XXXX  {$15000.00} In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 
15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately.

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 
And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( 6 ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.
Consumer complaint received 2019-05-13
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: RateGenius Loan Services Inc (MD)

I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of XXXX XXXX XXXX   and Rate Genius. So I contacted XXXX XXXX XXXX and Rate Genius who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.
Consumer complaint received 2024-03-18
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SANTANDER HOLDINGS USA, INC. (AL)

My husand has been serving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We received his new orders with the military to XXXX XXXXXXXX XXXX The financial advisor on base advised us, that under the Relief Act- for Louisiana SCRA, that any creditor can't more than 6 % interest ( cap ) for any active service member stationed in Louisiana. 

The Louisana - State Specific Relief Act for service members spefically states for any account before and after the service member had before XXXX. Below- Title 29- Military, Naval, and Veteran 's Affairs 29:312. Limits on creditor interest rates XXXX Louisiana Laws Revised Statutes Title 29 - Military, Naval, and Veteran 's Affairs 29:312. Limits on creditor interest rates Universal Citation : LA Rev Stat 29:312 ( 2022 ) RS 29:312 - Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

The company representative called me and said I was approved but they won't give me the extra interest I paid on two accounts with them. She said they go off the date my husband got his new orders for XX/XX/XXXX to be in Louisiana. 

That contradicts and under the statutes for Louisiana- State Specific Relief Act they are not honoring the law.
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

My credit card statement shows a charge of {$33.00} from XXXX on XX/XX/2021. The last time I rented a movie from XXXX was XX/XX/2021 for {$3.00}. I tried calling my credit card company. The customer rep refused to process my dispute, saying the charge is NOT fraudulent. I tried disputing the charge online and the submit button stayed gray and my dispute would not go through on the credit cards website.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

On XX/XX/2018 I was struck by a deer while driving. I was alone and I was not injured and neither was anyone else. I filed a police report so that I could make a comprehensive claim on my car. Later I found out that it was reported on my MVR as property damage accident crash report. Ive hit deer before and filed police reports and no others show up. I spoke with my insurance company who informed me that it was reported inaccurately and it shouldnt be on my MVR as an accident because it was a comprehensive claim and there was no damage to anything but my own vehicle. Now I am looking for a new insurance company and the inaccurate record is making my premiums extremely high.
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 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 hands of the wrong person.
Consumer complaint received 2019-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

Per complaint # XXXX, Amerihome Mortgage Company accepted responsibility to negligence on our account, and agreed to refund every month of overpayment on our account. 

The complaint was closed a month ago, and our account has not been reassessed for a corrected future payment. Our payment is the same as if we were still overdrawn in escrow ( they have refunded the incorrectly collected escrow fees ... but no change in our payment? ) We have not received a refund for overpayment. Our account has not been reassessed for future payments. I do not believe that Amerihome plans to correct this issue, as promised. I believe that they plan to ignore the decision agreed upon in the closed complaint referenced above.

Additionally, Amerihome has now tacked on a phantom charge onto my account. When accessed through an online portal, we are shown to owe no late fees, and to be current. The physically mailed bill contains a {$120.00} " fee '' that is now considered late ( please see attached photos ). Customer service agents are unable to explain the discrepancy, or where the fee came from/when it was applied. I am worried this will hit my credit, as it is not listed on my online bill ( how my monthly bill is auto-paid ) and therefore is considered " late '' on one bill but not another? The fee does no exist across all of their platforms, and is impossible to tell if it is legitimate. 

This company is acting in extreme bad faith to their consumers. 

I have : *A : not been paid back the amount that the overcharged me, as promised. 
*B : Not had my bill reassessed to reflect the correct amount I should be paying. 
*C : Now been charged on one billing mechanism ( but not another )? for a random fee that no one can explain to me. 

Please help.
Consumer complaint received 2017-05-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX / XXXX  /17 I applied for the credit card with USAA afte r answering several verifying questions. Upon calling to check the status of the credit card application, I was told USAA was unable to view my report due to a security freeze I had on my report.     I called the CRA and verified with them and they stated  USAA  was able to view my credit report because they see a hard inquiry from them on the report.     I have stayed on the phone for hours and spoke to countless individuals to tell them that there is a hard inquiry on my report. I had to pay to retrieve my credit report to provide proof of the inquiry and now  USAA  is refusing to remove the inquiry.
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my score then weeks later i recived a letter from XXXX XXXX XXXX that a identity alert has a block on my credit and i need to respond. so everything checks out fine. please remove this alert block off my credit thank you
Consumer complaint received 2020-07-13
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$5900.00} XXXX XXXX {$300.00} XXXX XXXX {$0.00} USDEPED XXXX {$3200.00} XXXX XXXX {$24000.00}
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management , Inc. is threaten to sue be for a debt they have not verified. Their correspondence is dated XXXX, 2020 and I received it by XXXX XXXX on Monday, XXXX XXXX. Fraud using dates that make it appear they sent nofication before consumer actually received. Their letter states to call no later thank XX/XX/2020 when letter was received XX/XX/2020
Consumer complaint received 2018-02-13
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: Caliber Home Loans, Inc. (AZ)

I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by Caliber Home Loans, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both XXXX XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or Caliber Home loans since 2012.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

Citi Bank ( XXXX  ) credit card during pandemic. I have attempted to make contact with Citi Bank as I was effected financially by the pandemic. I attempted to lower my interest rate. Was told no. Attempted to get payment assistance. Was told no. Requested a waiver of late fees. Was told no. Instead the interest rate has compounded and the balance has sky rocketed!
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am reporting a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). I have informed the bureau of inaccurate information with written proof from the debtor that I have paid this debt in full. I have sent them a copy of my payment receipt and they refuse to remove the inaccurate information. THEY HAVE REFUSED TO REMOVE THE INACCURATE INFORMATION, STATING THAT IT HAS BEEN VERIFIED, WHEN CLEARLY IT HAS NOT. This is clearly a a violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ). This information needs to be removed immediately.
Consumer complaint received 2018-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2018 I called XXXX and Experion. I spoke with rude customer service agents after I was on hold for hours. The customer service agents denied me the right to dispute items on my credit report even though the items are incorrect. XXXX and Experion refused to let me dispute false information on my credit report. They act like they are working with the companies against my best interests. XXXX/Experion 's debt verification process is flawed and outdated.
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (NC)

Hi my name is XXXX and I made initial contact with Core Advisory Group back on XXXX XXXX, XXXX. I received a letter in the mail stating that they could help me reduce my payment and stop my foreclosure. I was told that their lender dispute program would stop my foreclosure and force my mortgage company to modify my loan. They promised me my situation that they could stop ay foreclosure procedures and my loan modify and payments lowered but that is by far the truth. I sent them all my information and they told me my loan modification package has been submitted and now I just need to wait for a final answer. I received a letter from my mortgage company in XXXX XXXX saying my loan modification had been denied. This company knew I would n't qualify and I have told them before hiring them that I was denied in the past for not having enough income and now they tell me I needed to show {$1000.00} more to qualify? Should n't they known this before taking my {$4500.00} that I paid them just to tell me the same answer that my lender told me which I do n't qualify for a loan modification! They told me they are redoing my information and resubmitting it but at this point, I ca n't take my chances with them as I lost faith in this company so I demanded my money back. After that they made me fill out this package in order to get my refund and this at the beginning of XXXX XXXX and it took them until XXXX XXXX just to offer me {$350.00} back?? This company is a joke, a scam and they need to be shutdown. I want my money back the full amount. They have illegally taken my money upfront which is a violation to the XXXX rule and they still did it and provided no results. How insulting is that they did n't know whether they can help me but lied they can but ca n't and take {$4500.00} and at the end offer to pay back only {$350.00}? I hope and pray the authorities lock these crooks up. To make matters worse, I had found out that the owner XXXX XXXX of Core Advisory Group is the same guy that owned Colleagues in Law that he got rid of which does the same thing offering loan modification service. What did this guy just XXXX everyone, take their money and change company name and nothing happens to him? He needs to be in jail. Please help me get my money back from this clown.
Consumer complaint received 2022-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am not liable for this debt with QXXXX XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No:XXXX**** Amount Disputed : {$69.00}
Consumer complaint received 2018-02-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Premier Financial, Inc. (CO)

I sent a certified 609 letter to XXXX on XX/XX/ requesting copies of validation of debt they received from First Premier Financial that was closed and reported as a reposession. I spoke with a representative last week on XX/XX/ and he stated the handwritten letter was received. The information came back as verified however proof was not sent to me per request.
Consumer complaint received 2018-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with XXXX XXXX XXXX ( Ref #  XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, Capital One did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date Cap One has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
Consumer complaint received 2024-03-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/year> XXXX XXXX XXXX XXXX processed a home insurance policy without my permission. The company mailed the uncashed check in the amount of XXXX dollars back to Mr. Cooper mortgage as instructed. Mr. Cooper than verified on my phone call they received the uncashed check on XX/XX/XXXX of 2024. I was told by the Mr. Cooper insurance dept not worry they would credit the payment back to my account within XXXX business days which was Friday XX/XX/XXXX. When i called them today they said THEY REISSUED THE XXXX PAYMENT BACK TO INSURANCE COMPANY I DID NOT WANT INSPITE OF RECIEVING THE CHECK BACK BY THE INSURANCE COMPANY, IN SPITE OF SEEING THE EMAIL I HAD SENT TO MR. COOPER SHOWING THE THE POLICY CANCELLATION! I am a retired veteran who gets XXXX dollars A MONTH IN SOCIAL SECURITY AND I WORK PART TIME. Mr. Cooper now has me escrowed for XXXX INSURANCE COMPANIES! I want them to return my money asap! This is blatant disregard for my requests. You can reach their insurance company phone number at XXXX The check number peoples trust insurance company sent back to Mr. Cooper is XXXX.
Consumer complaint received 2021-04-22
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: Experian Information Solutions Inc. (GA)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.