davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First Mortgage Solutions (TX)

I have been in process of refinancing my mortgage with First Mortgage Direct, LLC. which had been impacted to the winter storms that had hit XXXX in XX/XX/XXXX. I was told an appraisal was needed for my home and even more so due to the XXXX that hit the state. I began the application process on XX/XX/XXXX and was approved for a 2.625 % rate on a 30 year refinance mortgage with no points. Due to the XXXX and being without power I was delayed in correspondence but it appeared there was a delay with appraisal companies getting assigned to my file due to the storm and demand. I was told my initial lock was set to expire on XX/XX/XXXX but would be extended as needed due to the appraisal delay/XXXX XXXX. I made a {$510.00} payment for the first appraisal company ( XXXX ) on XX/XX/XXXX and after waiting weeks i was told that we would be changing appraisal companies to get this scheduled sooner. I then paid {$570.00} to XXXX on XX/XX/XXXX to get the appraisal done by them. On XX/XX/XXXX I was told that a new " investor '' was willing to take my loan without an appraisal but would require some payment of points of {$510.00} ( suspiciously close to the first appraisal payment ) but I was okay with that at the time. I informed the lender that I was going to be out of town XXXX and the lender then said they would figure out a closing date on XX/XX/XXXX. Today ( XXXX ), I was informed that I would have to do my refinance transaction while I am out of state or face rate lock extension charges. I was told the lender I am not agreeing to this as I have done everything asked of me in a timely manner. I have already fronted an appraisal charge 2 times and provided all documentation. It is not reasonable or ethically right to force someone to close on a refinance on their primary home.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (NJ)

Original " delinquency date '' for XXXX XXXX is XX/XX/XXXX. Three months later on XX/XX/XXXX this car was repossessed. As of XX/XX/XXXX, this account is 7 years old and should not be on my file any more. All Equifax does is add remarks to my file and the account remains on file. All the other credit agencies already took XXXX off but Equifax refuses. This is my second complaint about Equifax XXXX for different issues ) within the last four months. They should have no business storing people 's history if they can not operate within the law. Thanks.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have Submitted disputes to you and I didn't get a response within 30 days and ya '' ll are required by law to do so. Please investigate my disputes, please Thank you.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-10-22
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. (CA)

In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 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 XXXXXXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 2021-04-05
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: Experian Information Solutions Inc. (AR)

I have 2 collections of my Experian credit report from XXXX XXXX XXXX. I have disputed this account with them and the collection company because the accounts arent mine and are fraud. Ive also sent Experian an official copy of a police report and my lease. Yet, they refuse to delete the account or even allow me to file another dispute with them. Their representative rudely told me that Ive disputed the accounts several times and the agency verified it as accurate so they wont allow another dispute. I told her that Ive sent police reports documenting the fraud and my lease showing my address since XXXX as the same address, and not the address as on the collection from XXXX. She again stated that the accounts would remain on my credit file. Ive asked the collection agency for debt validation in XXXX and XX/XX/XXXX and they have sent nothing. Ive also told them the accounts stem from fraud. They deleted the accounts from XXXX  and XXXX, but somehow forgot Experian. So I asked them to follow suit and delete from Experian. They told me to file a dispute with Experian and when they receive it, they will notify them of deletion. However, Experian refuse to allow me my basic right, to dispute inaccurate information on my file. They act as if they benefit from my credit report being wrong. Ive hired a credit attorney recently and Im at my last resort by contacting CFPB and Federal Trade Commission to assist me in getting my right to dispute inaccuracies as many times as necessary until corrected and deleted from my file. Please assist.
Consumer complaint received 2021-04-05
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: AMERICAN HONDA FINANCE CORP (VA)

On XX/XX/XXXX I contacted XXXX XXXX  and Acura Financial to request that they report my on-time payments to them for cars they financed in XXXX and XXXX. Between the two companies, I paid 61 payments on-time - but not a single payment was reflected on any of the three credit bureaus. 

While I filed Chapter XXXX in XXXX, I never stopped making on-time payments on our cars. When I contacted both banks, they informed me that it is company policy not to give me credit for on-time payments before, during, or after filing Chapter XXXX. I was told the only way to initiate credit bureau reporting is to refinance the cars with another bank. 

I believe this to be unfair consumer policy and request it be investigated.
Consumer complaint received 2021-04-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

My problem is that XXXX, XXXX and Experian have not comply with law and have not respond to any of my disputes. Its been over 30 days, literally months and no response! I need you guys ( CFPB ) to step in and take actions.
Consumer complaint received 2022-07-29
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. (GA)

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  GEORGIA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-15
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. (NY)

I NEED YOUR HELP! Please I have been instructed by my advisor to write a letter to you since I am a XXXX XXXX XXXX XXXX 
I don't want to be a bother but I am in a desperate situation since I am trying to get my life back together after being involved in XXXX XXXX. 

The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNTS THAT ARE FRAUD DUE TO XXXX XXXX  : 1. XXXX XXXX 2. XXXX XXXX XXXX - Auto Loan 3. XXXX XXXX XXXX- Auto Loan 4. XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-02
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. (CA)

There is one account on my credit report and multiple inquiries that do not belong to me I have been disputing these since last year with the credit bureaus and have received absolutely nothing back I need these taken care of since they are not mine and should not be on my credit!!!! 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is one account on my credit report and multiple inquiries that do not belong to me I have been disputing these since last year with the credit bureaus and have received absolutely nothing back I need these taken care of since they are not mine and should not be on my credit!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2023-04-04
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)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
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. (GA)

I paid off my credit card balance with XXXX XXXX in the month of XX/XX/XXXX. I sent an emailed to the XXXX XXXX XXXX XXXX on XX/XX/XXXX indicating that I never, ever would like to conduct business with company and to confirm that my account was closed. I received feedback from XXXX XXXX 's Resolution ManageXXXX name XXXX, confirming account closed per consumer request and data will be updated with all ( 3 ) credit bureaus. 
I was alerted by XXXX XXXX on XX/XX/XXXX. XXXX XXXX has reported inaccurate account status and other information to Trans Union and XXXX. XXXX XXXX only reported the account as Closed only but open as to still owing a balance ... on which I do not owe any balance. I have proof. 

XXXX XXXX needs to correct the account status with all three credit agencies as PAID-ACCOUNT CLOSED. Status information reported to Trans Union and XXXX  is incorrect and needs to be corrected.
Consumer complaint received 2024-11-27
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

In accordance with the fair credit reporting act DILLARDS/ CBNA has violated my rights under 15USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

On XX/XX/2021 NATIONAL CREDIT SYSTEMS responded to my complaint and this is my rebuttal and I am filing another complaint in regards to their debt collection practices. I have repeatedly requested the five required pieces of information pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act, and this debt collector has repeatedly denied me of this right. They have not sent me any documentation to properly validate this alleged account, instead they have sent an invoice that states the funds are to be paid to my husband. When we initially received this information it was very misleading because he thought he should be expecting a check and not that we owed anything. Also, after speaking to a supervisor at National Credit Systems she advised that they had sent multiple documents through the mails advising that we owe a debt and the information needed to pay or settle this alleged debt, which violates 15 USC 1692f ( 7 ). She also advised that they sent three letters to the address of the apartment complex of which they are collecting on the behalf of, which proves they did not do their due diligence regarding this alleged account and has reported fraudulent, invalidated information to my husband 's and my own credit reports. As a result this has harmed our reputation and violated our rights as consumers to privacy.
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

RE : intent to file lawsuit, HIPAA PRIVACY VIOLATION INTENT TO SUE : ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Please be advised I have requested validation and not verifications of three items reported to TransUnion by the above creditor/Collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX  DID NOT PROVIDE ME A HIPAA RELEASE that releases my medical information to them. By not providing such document, they are in VIOLATION of my HIPAA rights. I am preceding with legal actions as prescribed by law against the above named collection agency should these items not be deleted within the time required by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co. XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NV)

I noticed I was having issues with my account. They closed it without my knowledge, without any warning & without my permission. I have always paid my account on time. I believe this is in retaliation of filing a complaint with them because they would not help me with a dispute.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I attempted to redeem {$280.00} in cash back rewards from Chase Credit Card into my XXXX XXXXXXXX savings account. On XX/XX/XXXX I received a letter from Chase that said " your financial institution denied our request for deposit to the account you provided, so we returned the rewards to your account. '' However, the rewards were never actually returned back into my Chase account. 

I called customer service and they told me that my bank had rejected the deposit but had not sent back the money yet, and so they were waiting for the refund before putting the rewards back in my account. I was given a trace number, which I gave to XXXX XXXX and they confirmed that the money was sent back to Chase. 

I called Chase customer service again to let them know the money was sent back. They said they would escalate the issue and I would receive a phone call. I never received a phone call, but I did receive one more letter saying that they were unable to fulfill the request. I called customer service again and was sent to a manager. He told me that once a cash back request was made, there was no way to put it back into the rewards account, even if it was rejected by the bank. This directly contradicts all the information I was given prior to him, both by phone call and in letters. However, he was insistent that there was nothing more they could do and that the {$280.00} would not be given to me. He also insisted there was no one else I could talk to.
Consumer complaint received 2020-06-30
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. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX Company Inquiries : 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 XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX