davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened XXXX, XXXX, Balance : {$22000.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XXXX, XXXX, Balance : {$600.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX : {$1000.00} ). XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXAccount number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 credit bureaus, the information is inaccurate. There are 2 different high balances reporting, 2 different open dates, missing closed dates on a collection account, 3 different last payment dates. These are all violations under the FCRA, please delete this account. 

XXXXAccount number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 bureaus, there are 3 different high balance dates, 3 different dates of last activity, 2 different open dates, 2 bureaus are missing a closed date on a collection account. These are all violations under the FCRA, please delete this account. 

XXXX/Account # XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. There are 2 different high balances between the credit bureaus, 3 different dates of last activity, 2 different open dates, missing closed dates, 2 different last payment dates. 

Also, XXXX  sold the debt to XXXX XXXX XXXX who is reporting the same exact inaccurate information. All of this is a violation and needs to be deleted.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

XX/XX/20 requested mortgage refinance loan on line. 

XX/XX/20 submitted required financial information, paid loan lock in fee and received confirmation that required information was received. 

XX/XX/20 received notice that refinance was rejected. Received document requiring I sign that I accepted notice of rejection. On examining the rejection notice I became aware that only very general reasons were given for rejection including missing credit information ; excess outstanding revolving credit ; insufficient length of time with revolving credit issuers. None of these reasons were given specific parameters. None of them made any sense in light of my high credit rating, low revolving credit balance ( less than 20 % of monthly income ) and long term credit card history ( over 20 years ) with no history of failure to pay full monthly balance. 

XX/XX/20 received request to contact mortgage company to renegotiate loan terms.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-10-20
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. (GA)

To whom it may concern I am challenging the validity of the alleged bankruptcy you have listed for my credit reports I received a message from the credit Bureau stating that you verified the information. I contacted the federal courthouse for the XXXX XXXX XXXX Georgia and was told via letter that they do not verify this information, or the information was not verified with them for you or any other credit agencies. I am asking that they would please send me the information that you use to verify the alleged bankruptcies and that you would also either remove this bankruptcy from my credit file with you. For this is defamation of my character. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et follow reasonable procedures to assure the maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something falling within the bounds of what may be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
For your convenience, I am sending you a list of the items you need to verify them. These listed accounts. BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2022-08-24
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. (PA)

Hi, to whomever this may concern, XXXX has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. XXXX isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.
Consumer complaint received 2022-10-20
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. (RI)

I HAVE AN ACCOUNT REPORTING TO ALL MY CREDIT REPORTS ( XXXX ) ( TRANSUNION ) AND ( XXXX ) THAT HAS MANY INACCURACIES FOR THE DATA IN THE PAYMENT HISTORY FIELDS. I AM DISPUTING THIS ACCOUNT BECAUSE THE DATE OPEN IS XXXX, THE DATE CLOSED IS XXXX, IT SHOWS DATE OF 1ST DELINQUENCY IS XXXX THIS IS IMPOSSABLE CONSIDERING THE ACCOUNT WAS CLOSED ON XXXX .... XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022 AND XX/XX/2022, ALL SAY " PAID AS AGREED '' AND " CURRENT '' : ..CLEARLY, I HAVE HAD NO LATE PAYMENTS FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022 AS THE CREDIT REPORTS ARE FURNISHING. I WANT THE LATE PAYMENTS EITHER REMOVED/ DELETED FROM ALL THREE OF MY CREDIT REPORTS OR UPDATED TO " PAID AS AGREED '' AND " CURRENT '' XXXX -- ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) TRANSUNION XXXX ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) 15 U.S.C. 1681 section 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681c ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C.

1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVETHAT THE INFORMATION IS INACCURATE
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I contacted Citi via the web chat function and spoke with a representative. I was laid off in XXXX and just returned to work last month so I needed some additional time to get caught up. I was allegedly enrolled in a COVID-19 forbearance program and was told my next payment would be due XX/XX/XXXX, and that I would receive written confirmation of this in the mail within 7 to 10 business days. No such confirmation occurred and I began receiving internal collection calls from Citi. Today, XX/XX/XXXX, I called and after an hour on the phone and having been hung up on several times, got to a manager in the " resolutions '' department who more or less told me I was lied to and there is nothing that she can do. I have the ability to make the XX/XX/XXXX payment that is due, so that is not the issue.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Today XX/XX/20 I received an email from Capital One stating they have reduced my credit limit for no other reason other then I'm not using my credit to the limit each month. I have been a customer for about 10 years and pay my card on time and have outstanding credit ( well until today where this will hurt it ). I called the company to see why they would do this to a card member that has been paying on time, and they just said they do this from time to time. I've never in 10 years had a card reduced when I've paid on time and had no issues. They said they would not be able to reverse the decision and that I would have to wait 6 months for it to be reviewed. Of course this would include check my credit score, which again would impact my score! As a business Capital One has hurt card members during a time in which some people might need the additional amount for job loss or Covid related expenses. Apparently they have done this to not only me but thousand of good customers!
Consumer complaint received 2022-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

Hello, My complaint is regarding a refund request with EdFinancial for the purpose of relieving it under the One-time Federal Student Loan Debt Relief program. I spoke with an EdFinancial representative on XX/XX/XXXX to begin the refund process, and I was informed it would be up to three weeks before I would see the balance reinstated. Today marks just over a month, so I am filing a formal complaint as the one-time debt relief form is now available and is time-sensitive closing at year 's end. Per the rules of the one-time relief, I expect the refund from EdFinancial to be a minimum of {$10000.00} as that is the total amount of voluntary payments I made to EdFinancial during the payment pause ( from XX/XX/XXXX, through XXXX XXXX, XXXX ), which I intend to apply towards the one-time relief as soon as the balance has been reinstated. 

Thank you
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity theft, my information was expoused through the XXXX XXXX XXXX and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Consumer complaint received 2022-10-22
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. (MS)

I will be filing a lawsuit against the XXXX finance company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a XXXX year term on a XXXX XXXX XXXX XXXX XXXX I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something XXXX dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 


XXXX XXXX XXXX XXXX : XXXX Home Office : XXXX Home Office Fax : XXXX Corporate Office : XXXX Corporate Office Fax : TBA Email XXXX : XXXX Email XXXX : XXXX Company Email : 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. (MI)

XXXX XXXX and XXXX is being reported as late payments on my accounts. It is against the law for them to be reporting that under the USC1666B Timing of payments. I would like them removed immediately.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

My husband and I applied for a home mortgage through Wells Fargo. They collected XXXX for a rate lock, and we began the build process with our home builder. We were pre-qualified, and after paying for the lock we thought all was set. I am on salary continuation ( severance ) from Wells Fargo, and was fully transparent with XXXX XXXX, and his assistant XXXX about that fact. I asked - what will we need to do to prove my retirement income will carry us with this mortgage, etc. XXXX answered well, you will still be employed at closing, yes? So, we heard nothing back, and a few weeks ago, I broached the subject again with XXXX. The underwriters were asking me questions, and I asked what we should be providing, given our situation. Our closing date was set - furniture ordered, blinds, services, etc. and at the 11th hour, they called a halt. We are apparently required to show a distribution of my XXXX. Fine ... but the problem? WELLS FARGO will not do this?! So, XXXX are of Wells Fargo needs something from my plan that the other branch WILL NOT PROVIDE. Now, we are in jeopardy of losing our XXXX deposit, our home, and as I am recovering from XXXX, this whole thing is about to upend our entire lives. We now have to attempt to get another lender, and may not be able to go through the process in time. This whole thing was completely unethical, and the bank has policies that war with others. I have XXXX coming to me when my severance period is over, but until then, I am still considered employed. We own another home, and my income is XXXX per month, and yet, they wont support picking up the distributions as planned when my employment ends with the company. 38 years, Ive been an employee. We own another home free and clear, along with 2 vehicles, and yet, they wont move forward approving our purchase. That is one thing? But the fact that we were told to just shove this under the rug, when we could have worked with a different lender, the one who offered us the mortgage in the first place. I chose WF because I am still employed there. I want our money back, and I want our unethical treatment to be dealt with.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I would like to place a formal complaint against Experian for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX # XXXX. 
Experian said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Experian is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Consumer complaint received 2022-10-22
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. (NV)

I have filed disputes in regards to the incorrect info on my credit report. It has been well over 30 days and I havent received my investigation results.
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.