davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Security National Financial Corp (UT)

We used Security National Mortgage ( A Team - XXXX XXXX ) because we were led to believe we would get some extra benefit for using the preferred lender of our home builder, XXXX XXXX. XXXX of the big considerations for us was that we were told that we would get {$5000.00} off of the purchase price of our home for using the lender. This benefit alone presented enough benefit to justify switching lenders. At closing on XX/XX/2021 we were told something completely different than what was explained and emailed to us. The purchase price was not adjusted. Our next concern is that we had a 100 % VA funded home loan and were told we would get our earnest money back because we were doing no down payment. Again, at closing on XX/XX/2021 we found that we were not getting our earnest money back. We were deceived and misled by our lender and proper disclosure was not provided about how the benefits would work. Had we known how this process was going to work we would have stayed with our original lender because there was no real cost saving for using the preferred lender.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-06
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. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-07-26
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


1. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX 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 4. Account Name : XXXX XXXX Account Number : XXXX 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 5. Account Name : DPT EDXXXX Account Number : XXXX 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 6. Account Name : DPT EXXXX Account Number : XXXX 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 7. Account Name : State Employees XXXX Account Number : XXXX 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 8. Account Name : XXXX XXXX Account Number : XXXX 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 Sincerely, XXXX XXXX
Consumer complaint received 2022-10-19
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: Fidelity National Information Services, Inc. (FNIS) (CA)

recently found out an account was being reported as charged off with XXXX XXXX XXXX XXXX. I have never opened said account and it was Fruad.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

In accordance with the fair credit reporting act, Experian, XXXX, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX, La XXXX. XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX, la XXXX
Consumer complaint received 2021-05-17
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. (TX)

I have disputed several times with XXXX/XXXX and Transunion and they are refusing to do their jobs. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

I have attached the letter that was previously mailed to all bureaus 5 times ... I want these deleted today. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1973 XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Around the Beginning of the year around XX/XX/2022 I received information in my email that said my account was being closed by discover. I called to get information why and they said that they didnt know why that they will send me a letter out never received a letter so in my email each month I keep getting something saying that my account was closed but I need to keep paying on it because my credit score each month to take a hit and go down like XXXX points XXXX points because my credit score to go down a lot but discovery is saying my account is closed so I keep each month getting notice saying its delinquent derogatory remark, make payment, but is closed. The account is closed it is stating that it is closed. and I monitor my credit and wallet hub send me information telling me this has to be a mistake because my account is closed but the numbers keep going up.
Consumer complaint received 2021-05-17
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: CITIBANK, N.A. (VA)

Citi stated that there was an XXXX charge on XX/XX/XXXX for the amount of {$190.00} have tried since XX/XX/XXXX to dispute this charge with Citi Cards.. The first dispute was denied and I had to send in another dispute on XX/XX/XXXX. 
They advised that the dispute process is more of an automated system. If a person would actually have worked this, they would have seen numerous red flags.. 
I can prove that I was not located in California using XXXX or did any type of charge with XXXX. The sad part is that a number of XXXX charges came thru and citi removed those.. but didnt remove the XXXX 
Now the CITI bill has come due on XXXX XXXX When I called in to start the 2nd dispute, they advised that it would be 30 days.. spoke to a XXXX. 
Now I just called in and spoke to a XXXX. at XXXX after numerous calls and chats.. she is saying I owe and it will go against my credit if I dont pay it.. Not sure how a credit card company gets away with a charge thats in dispute.. that will go against someones credit score. They should take way that charge while in dispute.. if its truly a charge,. then put back on.. other credit card companies take the charge away until the dispute is final.
Consumer complaint received 2021-05-17
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. (MI)

I asked my bank for credit increase and was refused. Seen on the letter they mailed explaining why.. My credit score was not correct they are giving my bank incorrect info on my credit reports ... When i attempted to fix the problem by calling their business line their system refused to even allow me to talk to anyone human which would be the only way to figure out why they are sending wrong credit info to my bank ... .. So im here creating a report of fraud because they are not even trying to let me fix it ...
Consumer complaint received 2022-08-20
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)

TRANSUNION WILLINGLY AND KNOWINGLY VIOLATE FEDERAL LAW!! TRANSUNION UNLAWFULLY RECEIVED INFORMATION FROM A NONAFFILIATED THIRD PARTY AND FURNISHED THAT INFORMATION ABOUT ME. TRANSUNION FURNISH A CONSUMER REPORT OF ME WITHOUT MY WRITTEN INSTRUCTIONS. Please view the attached complaint. I demand a response within 10 days upon receipt of this complaint. My proper identification is also included in this complaint.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I was told by XXXX XXXXXXXX XXXX there is a credit fraud alert on my credit report through Transunion that needs to be removed in order for underwriter to continue with the loan process for a house purchase. I was supposed to close last Friday, XX/XX/XXXX. I called Transunion to see if I can remove it on Friday XX/XX/XXXX and was told the online version wont work, the phone call wont work, and no other options for fax/email. The ONLY option was to send it in my snail mail. Given the fact I pleaded my case I was supposed to close on the house on Friday XX/XX/XXXX. The supervisor and the agent I was speaking could not help. I am at risk of losing my earnest money deposit of {$38000.00} for a house I thought I was supposed to buy last Friday XX/XX/XXXX. 

Since there was no other option then to send in regular mail. I sent Transunion priority air on Friday XX/XX/XXXX the items they requested. Tracking shows they should receive the letter today XX/XX/XXXX. Even with the letter arriving today they said it may take up to 5 business days to update the credit fraud alert. So potentially, we are looking at Tuesday, XX/XX/XXXX when it is an issue that could have been easily resolved last Friday XX/XX/XXXX without the potential of losing my earnest money deposit or the house. I am quit disappointed in this process and has caused great hardship. 

The credit bureaus do not understand certain items are time sensitive and at times there are a lot of incorrect information on credit reports. I have never seen that credit fraud alert or the two phone numbers ( disconnected ) that were connected to the fraud alert. I only hope that the credit bureaus improve their process to allow for email/fax updates through secured/verified emails so this does not happen any longer.
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  ( XXXX XXXX XXXX ) Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00}
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Had initiated a security freeze several months back when compromised data was an issue! Now EXPERIAN is making it very difficult to get this removed! Unacceptable practices, asking me to mail in multiple forms of ID could not remove online, even though thats where initiated the freeze from in the first place! Other two credit bureaus super easy to remove. This is the kind of practices that makes consumers very angry!!
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Equity Settlement Services, Inc. (NH)

The issue is with the settlement company not the lender. 

I closed on a loan on XX/XX/21 ( refinance ). The week of closing the settlement company increased the prepaid tax amount to {$7100.00} from {$5900.00} for my first half taxes. This was an arbitray increase of exactly 20 %, presumably to cover any increase in tax liability for that term. That was fine. 

On XX/XX/21 the settlment company made payment to my town for the amount of {$6000.00}. I confirmed with the town there was no overpayment. The settlement company should have returned the excess ( {$1000.00} ) paid. This amount has gone missing, it has not been deposited to escrow, sent to the town or back to me. 

I have contacted the settlement company Equity Settlement Services ( full info below ) multiple times, leaving multiple messages over the course of weeks and have not received any response. 

Equity Settlement Services XXXX XXXX  XXXX XXXX, NY XXXX XXXX ( main ) XXXX ( funding dept ) Regards, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX I called Experian with an ongoing issue in regards to my credit profile not reporting properly. I started with calling Experian three weeks ago, an agent stated that I have two profiles with them and it's displaying two different year of birth, one XXXX which is correct and the other XXXX. Since noticing this, I have called, tried to dispute and have spoken to several agents and nothing has been done. When I call, they place me on hold, the call goes into silent hold and no one ever comes back on the line. The credit report is only reporting one account, when I have several. No one at Experian seems to care to get this issue resolved for Me after several attempts. I have even spoken to identity theft department and this is an ongoing issue that no one seems to take of. I am now reporting Experian for their lack of knowledge and interest in assisting the consumer. I am in the process of wanting to purchase a new home but unable to since my information on Experian 's end does not match XXXX and XXXX
Consumer complaint received 2022-06-09
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-12-29
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. (AR)

I am submitting this CFPB Complaint to request of you to correct my XXXX XXXX from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX Balance Owed : {$15000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC (ME)

Launch Servicing , LLC is slandering my credit reports, claiming that I owe several thousands of dollars on a student loan THAT I NEVER TOOK OUT. I had APPLIED for a student loan with this company nearly 3 years ago for a XXXX XXXX XXXX XXXX course that I WAS going to take and I was approved for said loan ; however, there were MANY red flags about the online school that I was planning to enroll in, the most concerning of which was that I discovered they did NOT have the proper XXXX accreditation that was needed. Had I not completed a course that was XXXX accredited, I would not have been able to obtain employment as a XXXX XXXX. Therefore, I immediately CANCELED my enrollment in this course and NEVER TOOK IT. However, for the past 2 years, Launch Servicing , LLC has been falsely reporting to the credit bureaus every single month that I have not paid them and they continue to tack on illegal fees to inflate the balance. 

Launch Servicing is in direct violation of the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. They have been made fully aware that I DO NOT owe this debt, yet every month, this company is repeatedly communicating incorrect and defamatory information to third parties, including, but not limited to XXXX, XXXX, and XXXX. This false reporting has reduced my once excellent XXXX score of XXXX to XXXX and it continues to drop as a result of these incorrect missed payments being reported monthly. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages in that I am unable to obtain new credit and I was even turned down for a job that required a credit check as a direct result of this incorrect reporting. There are MANY complaints against Launch Servicing , LLC relating to credit reporting/collections and even a lawsuit that was filed against Launch Servicing this year in XXXX, XXXX XXXX Launch Servicing , LLC et al ( https : XXXX ). 

I am now demanding the immediate and complete removal of this account from my credit reports. If your company XXXX Launch Servicing , LLC ) fails to comply, you will be required to appear in a court of law and I will be allowed to seek monetary damages from your company.