davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (OH)

Overview of LendingTree 's Business Practices : Online Exploration of Current Interest Rates - Passing Key Personal Financial Information to Mortgage Brokers / Lenders - Pulling Consumer Credit Reports - Without Explicit Written Consent -- I was curious about current interest rates - such that I might choose to refinance my existing home loan at a cheaper interest rate. I went to " XXXX '' as they were one of the sites listed after a XXXX search. On their website they have an option to " Browse current mortgage rates ''... which is exactly what I wanted to do. You are then led through a set of basic questions related to your current loan, home value, credit score, etc -- and then there is a final button to " View My Rates ''. Keep in mind, the user believes they are going to lookup rates in their zip-code area... what is NOT clear is that LendingTree will immediately send all your information to 5+ mortgage brokers/lenders and your phone is going to immediately ring. As a matter of fact, my phone rang BEFORE they even displayed representative rates. 

Now, they did have a nice bit of " fine print '' on the page where I selected " View My Rates ''... which has a bunch of legal mumbo-jumbo related to claiming that the user is giving " Express Written Consent '' as per the Fair Credit Reporting Act to immediately share my information with a host of 3rd party companies. I don't know how selecting a " View My Rates '' button could possibly be construed as " Express Written Consent '' to share my valuable credit and contact information - though they seem to think this is perfectly okay. My guess is that their methods are NOT legal, as the user didn't actually provide any form of written consent - and they should not be able to hide behind the law XXXX via their fine print ) and act like they are being above board. 

So what are they really doing? Their whole purpose of letting me " Browse Rates '' was to capture my personal financial information, such that they can immediately share it with their partners... which is a very shady business practice at best. In fact, they go so far as to claim that the user is allowing multiple credit reports to be pulled - which we all know can actually damage one 's credit score! They make their money by sharing personal information - which is fine, but only if they're really clear about it. 

Given that they certainly plan to do these things, they need to provide very explicit user actions - that truly let the user know what is about to happen and that their information is going to be shared/distributed as a result, that they're going to be soliciting calls from mortgage brokers, that credit reports will be pulled, etc.. This should ALL be clear. 

Their usage of the " fine print '' is a truly deceptive and unwelcomed business practice -- one that is obviously part of their business model ( as they're getting paid for the information/leads they provide ).
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

TIAA bank will not offer a loan forbearance too, as I am entitled to under the cares act. They all of a sudden said a new company owns my Mortgage. A company called XXXX  XXXX  with over 5000 complaints on the consumer financial protect office. 

They refuse to offer a forbearance. My credit is going to be ruined like the 5000 other complaints you have received. They have a policy where humans do not pick up a phone call. Awful company TIAA and XX/XX/XXXX is. They are ruining everyone 's credit with their incompetency. 

I have reached out to them 42 times trying to get a forbearance.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. Sates 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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-13
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 (FL)

This is an issue with Barclays Credit Card and XXXX XXXX XXXX. 

My spouse opened a credit card in XXXX. He added myself as an authorized user. Later, he closed the account and settled the debt directly with Barclays. A few months later, this delinquency showed up on my credit report. Shortly after, he called Barclays to find out why it was on my card and they said the account was resolved and closed. 

A couple years later, XXXX XXXX XXXX started contacting me that they purchased my debt. I have tried multiple times with them as well as Barclays to find out why it continues to show up as a delinquency on my credit report. Through every dispute that I have made and every contact, they all say that it is my debt and I need to pay it.

The bad part here is that : 1. It was my husband 's credit card, not miner.

2. He closed the account.

3. He resolved the debt.

4. After all this, it is still showing as a debt collection on me.
Consumer complaint received 2017-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I submitted a dispute with XXXX XXXX of 2017. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX # XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 12 late mortgage payments from XXXX to XXXX. However, my records demonstrate that 12 monthly payments were in XXXX, 12 monthly payments were made in XXXX, and 9 payments were made in the first 8 months of XXXX. XXXX 's errors in reporting were made for one of three reasons : ( 1 ) I made two payments in XX/XX/XXXX and again in XX/XX/XXXX, with the latter payments intended to serve as mortgage payments for the following month. I believe that XXXX failed to identify these as monthly payments towards the next month. 
( 2 ) The company provides the ability to make payments in their online banking app by transferring funds from a checking account to a mortgage account. While seamless, this mechanism fails to alert a user of any ongoing late reporting status the bank has issued. 

I reached out to the bank with a request to revise these records, as they have crippled my ability to find another mortgage servicer or to obtain a new mortgage for another property. They declined to issue any correction on my behalf to credit reporting agencies. I subsequently filed complaints directly through the credit agencies. XXXX 's failure to act results in my being stuck with them as a high-interest mortgage lender, and puts me in a dependency which they can manipulate, despite my high earning and good credit status.
Consumer complaint received 2018-06-10
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)

After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on my credit report. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper/NATIONSTAR Mortgage LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIPLE ISSUES : INCORRECT PRINCIPLE BALANCE upon loan sold/transferred XX/XX/XXXX INCORRECT INTEREST RATE due to 1-year adjustable mortgage INTERNAL AUDIT AT MR COOPER triggered my account to go into a LATE STATUS ( due to the {$940.00} principle payment issue that I believed was corrected and closed ) INCORRECT LATE FEES resulted from late status MY CREDIT HAS BEEN MARKED AS LATE STATUS for no reason MR COOPER SENT A 1099C form requesting I PAY TAXES on the " DEBT FORGIVENESS '' there was no debt forgiveness, just a correction of the true and correct principle balance. 
NO PROPER DOCUMENTATION IS ON MY ACCOUNT so customer service can't assist NOW WORKING WITH THEIR INTERNAL ESCALATION DEPT contact is XXXX  he also answers my XXXX  off XXXX. 

MORE DETAILS AND HISTORY : Upon the sale and transfer of my loan from XXXX to Mr. Cooper, the WRONG loan balances were recorded and the WRONG interest rate was set into place by Mr. Cooper from my prior mortgage servicer XXXX XXXX XXXX aka XXXX. An amount of {$940.00} was in dispute, which happens to be my principal payment. THIS AMOUNT WAS CREDITED TO MY ACCOUNT backdated as of XX/XX/XXXX by Mr Cooper as a resolution. I finally received a letter from Mr Cooper explaining all this at the end of XXXX after months of phone calls and letters. 

In addition, my interest rate was in dispute for months with Mr. Cooper, and they had changed it several times. I am still not 100 % confident it is correct today. They reset it at a higher rate than was placed on my account when they first took over my loan. 

On XX/XX/XXXX, I went online to my account and was shocked to see I was 2 months behind. I knew this was impossible and had all payments in full and had received confirmations via email.
Consumer complaint received 2017-12-05
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. (AL)

I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX a dept validation was sent out to Portfolio recovery. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.
Consumer complaint received 2018-06-11
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: Experian Information Solutions Inc. (MO)

I still see the same fraudulent inquiries on my credit report, I even spoken with the companies and they said they put it to remove them but yet failed to do so ..nor has anyone provided me with physical verification of any sort. The following inquiries being disputed are .., XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-10
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. (GA)

After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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. (CA)

RE : UNAUTHORIZED INQUIRY, XXXX XXXX  DATED XX/XX/year>, I called TRANSUNION about the above UNAUTHORIZED INQUIRY and asked for removal/deletion. 

Transunion representative instructed me to write a dispute letter as he was unable to delete unauthorized inquiries. 

I have already reported this to IDENTITYTHEFT.GOV, as well, and have written a letter to Transunion. I have already frozen my Transunion credit report.
Consumer complaint received 2024-02-20
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. (CA)

Inquires not authorized. 


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 2021-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company has been calling my phone at least 3 times a day for more than 6 months. Every time this company calls me, they use a different phone number. They often use phone numbers that match my area code to get me to answer. Ive answered a few times to see what would happen but each time I answer, the company hangs up within 5 seconds without having said anything. They have never left a voicemail. They have also been sending letters to an old address of mine at least once a month regarding the debt owed.
Consumer complaint received 2018-02-11
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: EQUIFAX, INC. (WA)

XXXX, XXXX and Equifax are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX  to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-05
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. (AL)

I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (NY)

When I got my Wyndham Rewards Visa Signature card last year, XXXX of the terms on the card was that on every anniversary, I will receive XXXX Wyndham Rewards points. The anniversary is in XX/XX/XXXX ( so its almost 4 months into the year now ) and I still have n't received my rewards points. I initially reached out to Wyndham and they redirected me to Barclays bank because Barclays bank services the card. I reached out to Barclays several times in the past couple of months and they keep asking me to wait. When I called in XX/XX/XXXX they told me that the points will be credited on XX/XX/2016. Today is XX/XX/2016 and that has n't happened so I called them again and again same story where another team handles the issue and the customer service team ca n't really do anything to expedite the process. As a customer I expect the points to be credited in a timely manner without me having to follow up several times. In exceptional scenarios when things go wrong and I do have to follow up, I expect customer service to solve the issue on the first call and/or give me a definitive date on when it will be resolved - not just kicking the can down the road expecting the customer to eventually give up. I want to use these points to book a reservation for an upcoming trip and ca n't because Barclays would n't credit it in a timely manner.
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.