davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi & How are you doing? It's taken longer than i thought - more than 45 days and it account status was never updated. Im a little confused about how the late payments are reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (UT)

I am trying to refinance my home and Freedom Mortgage will not provide XXXX XXXX a payoff for " At least 15 days '' without me calling in. I do not wish to speak to them or be pushed to stay with this company. 

I see they have 7 days to provide a pay off but continue to refuse. 

XXXX XXXX Requested in writting a payoff on XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-06-02
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. (CA)

XXXX  and Transunion are reporting incorrectly that I am ( 60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015.
Consumer complaint received 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

On Tuesday, XXXX XXXX at XXXX XXXX ( PST ) I spoke with representatives from XXXX XXXX XXXX at New American Funding. I called to make a payment in full for the month of XXXX for the amount of XXXX. New American Funding Refused to receive my payment in full. 

I started the process of Loan Modification in XXXX of XXXX. I was out of work for XXXX and XXXX of XXXX and had fallen behind on my payments. In XXXX of XXXX, I started making payments again, but could not catch up. It was only in XXXX that they informed me of the Loan Modification process.My application for Loan modification was completed on XX/XX/XXXX. The application is still being reviewed with the underwriter. 

I had scheduled a payment to be drafted for my account on XX/XX/XXXX, on XX/XX/XXXX. I informed the agent that I was anticipating a tax refund and would it be ok if I called before the XXXX to make an additional payment. The agent scheduled the XX/XX/XXXX payment and told me I could call whenever to make the additional payment. 

When I phoned on XX/XX/XXXX, to make an additional payment in full they refused to accept and said they could only accept {$4000.00}. I told them I was less than 90 days behind and they had to accept a payment in full, they still refused and said they were following investment guidelines. 

I understand that they misrepresented guidelines and refused a payment in full, which has created great hardship for me.I am a single mother of XXXX and I am the sole source of income for my family.
Consumer complaint received 2021-07-18
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: CBC Companies, Inc. (NY)

On XX/XX/XXXX I filed a complaint # XXXX as Innovis has not been properly recording and publishing my financial data such as my credit card monthly payments. Due to this failure my financial scores showed to lenders are affected. As already described, I have suffered various adverse responses due to this failure to compute and to publish my financial data and scores. After investigating with XXXX XXXX XXXX XXXX, where I do have a Premier Mastercard account since XX/XX/XXXX with XXXX past due since 6 years ( statement attached ), we have got a letter dated XX/XX/XXXX ( attached ) from XXXX XXXX XXXX  certifying that they do properly report to Innovis all my financial payments. In addition, I can see all my missing good payments in the Innovis credit report dated XX/XX/XXXX ( attached ) where years XXXX to XXXX are fully missing in the Account section for my XXXX XXXX credit card. This is the proof that Innovis knows about my account at XXXX XXXX but do not investigate on the failure cause and do not resolve the issue.
Consumer complaint received 2019-03-08
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: PRESTIGE FINANCIAL SERVICES INC (CA)

On around XX/XX/XXXX Prestige Financial Services Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
Prestige administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that Prestige Financial Services contacted XXXX  and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of XXXX on XXXX.. 

Respectfully Prestige has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX Lifetime and Retired.I am a US XXXX Honorable Military Veteran.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Date XX/XX/2022 XXXX has committed Fraud Pursuant 15 USC 1681B, I never gave XXXX permissible purpose or any written letters or instructions to report any information on my Consumer Report..
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Barclays credit card company reported a negative information to XXXX, XXXX, & XXXX  without notifying me properly. Properly defines that they did not conduct a reasonable investigation regarding the reason for negative information which I clearly had a conversation with there representatives on Ref # XXXX which i warned that this needs to be fixed and 2nd  time which happened again which damaged my credit report Ref # XXXX. 

On both Reference when they don't mail statements they assume people have received their statements. Then when they have an automated robot phone calling ( XXXX ), which after picking up phone theres no answer or live person to notify that this is a Barclays card services, people assume its spam and block the number. Then after all that they keep calling but now it goes to straight to voicemail which i have saved all voicemails total of 8 empty 4 to 130 seconds of BLANK messages ( Please listen to 2 of the attachment to file I have saved all voicemails on XX/XX/2021 to my computer in case i need it for proof. This voicemail was from XXXX on XX/XX/XXXX XXXX & XX/XX/XXXX at XXXX ). 

The only way this was solved is by me searching this phone number that kept harassing me by checking background reference through whitepages which then identified its connected to Barclays card services, and i had to call the number behind the card to speak to a live person and not silent robot calling services.
Consumer complaint received 2020-06-02
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)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$950.00}
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (PA)

Back in XX/XX/XXXX my mother put XXXX bill in my name I never knew that she did this until XX/XX/XXXX I went to apply for a credit card and was denied due to my credit score I asked for a copy of my credit report this is when I notice that their was a XXXX bill for XXXX I called XXXX  to find out an address of service that was given to me as XXXX XXXX XXXX XXXX XXXX pa XXXX this address belonged to my mother after speaking with XXXX  I also called the collection agency contract callers inc after speaking with the collection agency they mailed me fraud paperwork which I filled out and mailed back with a copy of my photo I'd a dispute letter my lease from where I lived at the time service was opened and my lease from my current landlord also I filed a police report with XXXX police  department incident number XXXX I have been dealing with XXXX  and contract callers back and forth and nothing has been done I did my part I even did a dispute with both XXXX and XXXX  and again nothing has been done all I want is for this to be corrected and taken off my credit report I also want to put out there before my mother passed away XX/XX/XXXX my mother reached out to XXXX and contract callers inc to set up a payment agreement but her payment was denied from XXXX due to the account was already sent to collection agency she then reached out to contact caller inc to talk to them about payment arrangements and they would not speak to her due to she said she was my mother now both XXXX and contract callers inc have her on tape admitting that this account was hers not mine I don't know what to do anymore to me it feels like no one wants to help me get this off my credit report I'm hoping that you can help me
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

Since XXXX of XXXX, we have been trying to get this company to release a partial lien. We have 2 acres and we are selling one of them to my husbands parents to build a house. Over the last 14 months and countless phone conversations, we have been given differing and contradictory  information with each phone call. The biggest hold up has been a document that a title company drew up for us. We will be told that particular wording needs to change on the document and after we change it, we are told that that was incorrect and the problem is something else entirely. 

This company has refused to assign one person to our case therefore forcing us to start from scratch with each phone conversation. We have been, most recently, working with their complaint department. We were told in XXXX of XXXX that this letter from the title company was finally approved and that we would be notified by mail of their decision. After 8 weeks and nothing in the mail, we called our mortgage company and we were told that our document was not correct after all and that they also could not find our appraisal ( which was completed more than 1 year ago ) and that we would need to get another one. We were essentially back at square one. 

I do understand that they are not legally obligated to release this partial lien. My concern is the inconsistency, seemingly incompetent dealings and their absolute lack of concern for our situation. We have jumped through all their hoops to no avail. 

We are currently attempting to modify this particular letter once again in an effort to fulfill their requirements.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

To whom it may concern, Good morning. For the 3rd time now, I am writing in regards to a collections account on my XXXX and XXXX  credit reports from 'Hunter Warfield ' whom I 'm assuming represents 'XXXX XXXX XXXX '.
I never received any documentation on what they are seeking money for but I do know that they have withdrawn their claim multipleb times and it has vanished from my reports.
If it is in regards to a rental agreement, I provided XXXX XXXX with proof of me not getting paid from the veterans affairs and agreed to vacate their premises, WHICH I DID! I also had military and orders that sent me to Iraq. These people call me from time to time and due to our agreement and my military obligations, I could no longer live there. It been nearly 7 years and I 'm despedesperately trying to carry on with my life.
Best Regards XXXX XXXXs
Consumer complaint received 2020-05-05
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}
Consumer complaint received 2019-05-30
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)

This is in reference to report received from Experian ( # XXXX ) received XXXX XXXX. The following items were disputed and this report summarized the results of the dispute. 
First item disputed was a Bankruptcy ( XXXX ) in the county of XXXX XXXX, California. I disputed that the Bankruptcy was not my and probably belonged to Mr. XXXX XXXX. The results state that XXXX XXXX was the company used to verify the results of the investigation. I contacted XXXX XXXX to dispute the providing of inaccurate information when I was informed that on there is a security freeze on my account and no information is available to Experian or any other entity to view or access. The document is included in this complaint. Also on XX/XX/XXXX a Chapter XXXX filing was made by one XXXX XXXX which is not me since My name is XXXX XXXX XXXX. 

Second item disputed was XXXX XXXX XXXX ( XXXX ) once again Experian indicated they contacted the creditor and the information was being reported as accurate.I disputed that the account was never late or included in a Bankruptcy and that the account was sold to XXXX   XXXX where the account was paid in full. I enclosed a letter where XXXX XXXX Indicated that the account was not being reported accurately and that it would be corrected. 

Third item disputed was for the creditor for XXXX ( 9 ) which Experian states on their report that the item was verified with the creditor.I disputed that this was not my account and that the account I had with XXXX was closed in good standing. I contacted the creditor and was given a letter stating the account was being reported incorrectly and that there was only one account that was closed on XX/XX/XXXX. And the account showing was a mistake be their accounting department. 

The fourth item that was disputed was for the creditor XXXX ( XXXX ) I disputed this account never being late and that it wasn't my account. I had an account with XXXX which was closed in good standing. The account had ( 4 ) 30 day lates on the report which they corrected to ( 2 ) 30 day lates which they corrected showing 30 days late for the month of XX/XX/XXXX and XX/XX/XXXX. I previously had an account with XXXX which was closed in good standing and never had an account during this time period being reported under my name.
Consumer complaint received 2020-09-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA credit card company closed our credit card in XXXX of XXXX because of delinquency. 

I have my XX/XX/XXXX USAA credit card statement showing an active account but includes a past due amount and the statement " Our records indicate your account is past due. Please send the minimum amount due today! '' On XX/XX/XXXX, I received a letter from USAA with the Reference : Credit Card Account Closing '' I have my XX/XX/XXXX USAA credit card statement confirms my account is closed with the statement, " Your account is currently closed. '' After USAA closed my account, I paid USAA when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX. It was not. 

I wrote USAA. I called USAA and the Collection Agency who continue to finger point and send me to the other. I supplied my statements to the credit bureaus. I hired credit repair companies to address this. Still, this persists. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But USAA and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.
Consumer complaint received 2020-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern on my credit report I was being told I had applied for a new capital one card on XX/XX/2020. I never applied for a capital one card on that date as I am perfectly happy with the capital one card I already have. The problem here is I had disputed this a few different ways and it won't go and is still showing up as a hard inquiry when this is fraud and never authorized by me. Under the fair credit reporting act 609 to my understanding since they can not prove I applied for card which I didn't they must remove this inaccurate information. When I spoke to capital one over a month ago as to what was going on they said that department who handles fraud and applications is not in due to covid. I asked them when they will be back they weren't sure. I had called a few times to resolve this but it has gotten no where.