davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, on XXXX I  called up 2 credit card companies which I am an authorized user on my cousins cards. For some reason they are not showing up on my credit report. I called up both companies and on there end, they stated I was reported and they had no problems. The 2 cards are melaleuca by XXXX XXXX ending in XXXX and the other is XXXX XXXX ending in XXXX. I was told that I have to notify each credit service and they will fix this misunderstanding and update me on credit report. As I have been paying with no problems since added by my cousin.
Consumer complaint received 2021-02-20
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. (VA)

I XXXX XXXX paid off the mortgage at XXXX XXXX XXXX XXXX in XXXX, MD XXXX on XX/XX/2021. It still shows that I have a balance of $ XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-21
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. (NC)

I notice the following inquires in my credit reports which i did not authorize : XXXX on XX/XX/XXXX andXXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX onXXXX
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (WI)

I entered my information online to a provider, or broker, of mortgages for the purpose of refinance. I never completed the application by selecting a product ( rate, points, etc., and term ) and " submitting '' the application. The provider only offered XXXX refi 's online when I already have a XXXX and want to refi to a XXXX. This is why I never submitted the application for a specific product XXXX loan ). I requested the provider remove all of my information from their system. The provider responded they could not based on 1026.2 Definitions and rules of construction, and stated they are required to keep my information for at least 24 months. 

In the official interpretation of 2 ( a ) ( 3 ) Application, 6 pieces of information are required to be considered an " application '', including the last item # 6, " the mortgage loan amount sought ''. 

I did not provide the mortgage loan amount sought since I was not able to select a product that I was looking for, i.e. XXXX loan. The mortgage loan amount sought can vary significantly based on rate XXXX points, fees, etc. ) and duration. I never selected a product or loan and therefore did not provide the mortgage loan amount sought. The loan amount sought is not my current liability for the property. 

**Please provide the definition of mortgage loan amount sought ''.
Consumer complaint received 2020-05-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters out certified almost 40 days ago and have not been notified. I dont understand why they do not follow the law. I feel like these clowns taking advantage of normal people.
Consumer complaint received 2018-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Opened an account XX/XX/XXXX with Chase bank. Account was notified to be closed XX/XX/XXXX with dispute due to be completed by XX/XX/XXXX. No notification was given until a letter that was dated XX/XX/XXXX however the envelope was postmarked for XX/XX/XXXX, well after any dispute could be filed. I did not receive the letter itself until XX/XX/XXXX. Chase refuses to take responsibility for this lack of due notice. Chase also refuses to state exactly WHY my account was closed, even after referring me to Loss Prevention, which suggested potential fraud. As stated by no less than 4 individuals ( I escalated the call repeatedly ) there is NO ONE at Chase who will give me the exact reason why the decision was made to close my account, and NO ONE who will explain or take responsibility for due notice not being given in the correct time frame that would've allowed me to fix it. There were no phone calls, no emails, no messages on the account, no other letters other than the one scanned and uploaded. They also refused ( until the final escalation ) to verify my husband 's information ( he was also in the call with me ) being the primary account holder, with myself as the secondary.
Consumer complaint received 2020-08-19
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. (VA)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / XXXX All accounts ( There are like 5+ of them )
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (CA)

I have received a call from a collection by the name of Cedar business services company to inform me I have a debt to be paid. I paid the debt off in total in 2 payments. This was my first time being informed that I had debt in a collection. The collection company stated once I paid in total this collection would go off my credit reports within 15 business days. I have also contacted XXXX university which is where the collection agency stated the collection came from and they stated that they had been in contact with me and I have not received any attempts to contact. The way this was handled my credit report is being affected and I have took all necessary action to correct this once having the knowledge of this matter. However, this is issues is still on my credit report and is affecting my credit score. I would appreciate if you guys would be so kind to assist with this matter. Any assistance is greatly appreciated.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

There was fraud activity occurring on my Chase account, where two unauthorized withdrawal transactions occurred on XX/XX/XXXX for {$300.00} and one on XX/XX/XXXX for {$4500.00}. Both transactions occurred at the Branch in person. I was not aware of this until XX/XX/XXXX of the activity and promptly reported it to the branch, where they cancelled and reissued me a new account. During this time I also discovered that they ( frauders ) changed my address to a new address ( not my own ). They made me aware of this and I corrected all the information. They explained to me that a check will be mailed to my address and that it may take a few weeks. I received a letter from Chase on XX/XX/XXXX explaining the situation and that I would be receiving a check for the {$4800.00}. Weeks went by and I never received a check or information regarding this check. On XX/XX/XXXX I arrived at Chase to inquire about the check. Chase informed me that the check was mailed and cashed in at XXXX  XXXX XXXX, I have never received the check and they made me aware that it was sent to my old address from 10 years prior. The check was also signed by my late husband, who passed away in XXXX. I once again reported fraud and submitted paperwork on XX/XX/XXXX. I have called numerous times in regards to updates and information but have received no updates on the status of my claim. They have continuously said they have a process of 60-90 days but have given us conflicting dates of when paperwork was received. The initial call was done in XXXX and we were told to call back in XXXX, we called in XXXX and they informed us they had no information or updates and that they actually received paperwork in XXXX. They have continuously given us different information each time we call and they have no new information to give.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I have 3 home depot cards that are supposedly all linked. I receive emails letting me know when something is due on my account, every time I check I have XXXX due to my account paid and a {$6000.00} credit line. I don't know why, but the account # XXXX XXXX XXXX XXXX has a {$55.00} charge for which I was never sent the email or statements for and is now in collections with XXXX XXXX XXXX with a balance of {$370.00}. I tried calling Home Depot several times for the statements and to try to explain that it was not fair that this charge is on my account and not notified of owing on this credit card, since all my account are linked. I don't even know if it's my charge, but it's ruining my credit. I would make an arrangement with the collection agency just to resolve, but they are charging me over 400 % of the balance and will report me as short paying a debt. This has been very difficult for me because when I login the accounts are suddenly not linked now and they have an old address and my new address. Here are my other credit card number with Home Depot # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX. 
If you could please assist me with getting this resolved, as I dont believe this charge is mine and it affecting my credit negatively. Home Depot will not send me the statements or my signature that I signed for this charge. 
Thank you, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-23
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: SYNCHRONY FINANCIAL (TN)

I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX/XXXX XXXX   XXXX, XXXX XXXX I was in recovery in XXXX at this time. 

The second is on XX/XX/2016 as well. By XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2016-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

Experian reports a balance owed and the account in open status for the XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX. This XXXX line, was discharged per the foreclosure events which occurred in 2011. Oregon law as statutes in House Bills 3656 and 3004 are clear that where the XXXX and XXXX loans were issued at the same time and both are held by the same beneficiary ( the actual lender of money ) at the time that the XXXX loan is foreclosed on, the beneficiary can not seek a deficiency on either loan. Therefore, it is incorrectly reporting a balance due. Accordingly, XXXX were issued ( and are attached to this notice ). Finally, XXXX and XXXX report the balance correctly at {$0.00} -- and I 'm asking Experian to do the same.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BHFC Financial Services INC (NV)

XX/XX/XXXX I spoke with the manager to inform them the car engine was down I called them to let them know where to get the car they called the lot spoke on an amount they called two weeks later the amount went up the loan company never called the mechanic back the manger informed me itll be a repo on my name at bhfc I agreed I was not making any payments any longer on a non working vehicle I have that in email its 5 months later they still have a loan open on my name its illegal I have not paid them I have called them numerous of times the manger told me today Im not putting a repo on your name so you can get a new car on XXXX bhfc financial is the loan company! No payments have been made they never did a repo .I have emails on XX/XX/2022 in writing as well I emailed them about this vehicle.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (NY)

In XXXX of 2018 I was introduced to XXXX XXXX of Guaranteed Rate by my Then Real Estate Agent XXXX XXXX XXXX because his wife is a manager there. The lender asked me to put a XXXX charge on my charge card for an appraisal ... but pursuant to XXXX XXXX  '' The lender will request an appraisal straight from the VA website. VA will then select an approved appraiser.. Then on XXXX XX/XX/2018, XXXX XXXX my then real estate agent sent me an email saying for me to go to my email an electronically sign a closing document.Upon reading the form I noticed that the lender was charging me the funding fee.. Pursuant to XXXX  '' Veterans receiving VA Compensation for service connected XXXX do not have to pay funding fee. '' I HAVE A PERMANENT AND TOTALLY XXXX VETERAN..PLEASE NOTE THE CLOSING DOCUMENT STATED ... XXXX WAS DUE FROM THE BORROWER AT CLOSING.. BUT I WAS ONLY PRE-APPROVED FOR XXXX DOLLARS..
Consumer complaint received 2018-06-25
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. (IL)

Last month, on XX/XX/2018 I submitted my dispute for fraudulent closed accounts on my credit report. Unfortunately, those accounts have not been removed. 

Last week, I obtained my Identity theft report and submitted it with my dispute along with, FCRA section 605 ( b ), a copy of my credit report, and proof of identity. 

I still have not heard from the bureau regarding my dispute last month.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (VA)

I got a notice yesterday that a hard inquiry hit my credit report and I have not applied for a new line of credit. The retailer is XXXX and Ive reached out and reported the fraud. What i find odd is that they used my info to open the card but my mothers email address for the acct. idk whats going on. ( I know my mom didnt do this bc shes not sketchy ).
Consumer complaint received 2020-05-01
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: EQUIFAX, INC. (AL)

Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX/XXXX  XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report
Consumer complaint received 2021-07-15
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: Avant Holding Company, Inc. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2018-06-25
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. (FL)

My XXXX student loans has never been late. They are currently in deferment but they are being report late. I contacted all three credit bureaus on XX/XX/XXXX to dispute the information. It was updated on XX/XX/18 but still reflecting late payments. I called XXXX on XX/XX/18 and they referred me back to the credit bureaus. I sent out 609 letters on XX/XX/18. I need this corrected ASAP as I am applying for an apartment on XX/XX/2018.
Consumer complaint received 2021-04-24
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. (NY)

On XX/XX/21 I considered applying for a new credit card, I pulled my credit report to evaluate my eligibility and found out my rights as a consumer have been violated under federal protection. 

There has been a consumer credit transaction reported from my credit card, a literal authorization or approval of a specific extension of credit which is supposed to be excluded. To quote 15 USC 1681a ( 2 ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. 

It is clear in the TRUTH IN LENDING ACT 15 USC 1602 ( I ) the definition of " the term " credit card '' as any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. '' My social security card counts as a credit card under these guidelines.

In pursuant to 15 USC 1681b ( 2 ) these accounts are in violation. I did not provide written content to furnish these accounts and therefore these accounts do not have permissible purpose. By furnishing these accounts they have violated my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) and due to this, this has caused me emotional stress, financial problems, and damage to my personal life.
Consumer complaint received 2018-06-23
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. (ME)

Someone keeps trying to apply for credit cards in my name. XXXX card was applied for again yesterday while I was at work! This has happened several times and Ive already reported it but Im not sure if the other inquiries got taken off either. I have been building my credit score back up and this keeps pulling it down. I have not applied for a credit card at all.
Consumer complaint received 2018-06-25
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: Experian Information Solutions Inc. (MI)

I have spoken with Experian about my credit report, so many times now they ask me for my social and date of birth And I don't get a chance to talk with anyone about my credit report. just the machine. Early in XXXX They told me they would seen a new credit report, they have not done so, it seems to me after I have put in a complaint it's gotten worst. once I give my information, the machine won't even connect me it tell me to go online and dispute my information. I have the report number from the old report. So I'm not even sure they have taken anything off. I'm am a victim of fraud I have sent police reports affidavit and now my attorney is sending signed documents I have worked with the Fraud prevention services and Identity Theft through XXXX they told me that all three credit bureau would be made aware. They have not removed anything far as I know. I can't see it because I have not received a up to date report. all I can use is the old report. and now I can't even get a human on the phone. If you can help me with Experian I really would appreciate it this issue has been going on way to long. And I don't have a credit card Witch was mention in the last report For that reason I have not paid to receive my credit score. I would like to see how much they have worked on my credit. Thank you for whatever you can do.