davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (GA)

.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate information
Consumer complaint received 2022-04-28
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. (NJ)

Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit Card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-30
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: Experian Information Solutions Inc. (NE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NC)

1 ) I would like an escrow analysis on my account. The rep I spoke to was unable to provide that.

2 ) I have a check from a homeowners insurance claim that needs Round Point endorsement. They refuse to do this but can't tell me why. 

Their phone menu doesn't direct you to a live rep. The options available don't meet my needs. The reps can't answer my questions.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Capital One locked my account due to VPN usage as they thought I was somebody else. I proved my identity and explained everything. They responded by shutting down access to my accounts and all my funds. I have repeatedly contacted them over the course of three weeks but they continue to refuse to tell my anything about my account and just continue to tell me that somebody is working on it, its obvious theres nobody working on it. I can not access any of my funds nor even login to my account.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, Around XXXX of 2022 I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the 9th month with a number of complaints in writing and by phone/messages with XXXX XXXX XXXX XXXX XXXX XXXX ) without any results. This credit union does not take calls to their fraud department so the messages I've left have had no response whatsoever, the letters and emails have had no response. After 8 months of trying-I finally got a hold of a representative that offered to check the status of my case and told me that my claim for identity theft was denied and the accounts were confirmed to be accurate because of matching email and phone numbers and other personal information..Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. My emails and physical mail, etc.. were in fact compromised hence how identity theft occurred... In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, and negligence. If anyone knows what its like to go through the mere fact of trying to clear things with a financial institutions and then 8 months later being told the case is denied because information is matching with that of my own should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't resolved.
Consumer complaint received 2022-04-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

Ad Astra Recovery is reporting a fraudulent account to XXXX, XXXX, and XXXX. I have called repeatedly to report this fraud account and they have refused to remove the collection and stop reporting it. Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

According to 15. U.S.C. 1692 C, theyve violated my rights by unlawful communications. Please remove this collection from my credit report. Thank you. The debt is not valid, nor did they validate or send me a copy of my original contract with them.
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NY)

XX/XX/2021 to current date I started the loan process of applying for a mortgage to to purchase a new primary residence. My loan officer XXXX XXXX had all my information regarding that i work in ny and live in Maryland. I was able to purchasemy first home in XXXX with no issues with navy Federal working in ny and traveling back to Maryland for more than 3 years. Now its a issue with me buying a new primary residence. I had to submit documents and hand written letters from my mother stating i only visit ny when im working. XXXX XXXX, XXXX XXXX and XXXX XXXX bamboozle me to get stuck with a higher interest and down payment. I already lost a {$1000.00} for the emd and wont get that back. Navy Federal has all my information and they chose to ignore it. All three individuals have my personal information from the previous loan. Nobody communicated between themselves. The underwriters intentionally denied the process and charge me fees and made me go through a process that a XXXX person would never have to go through since im XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I recently obtained my credit report that was not reported accurately. I had XXXX late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have a hard inquiry on credit report from XXXX from Bank of America and I did not authorize this inquiry and I worked like Bank of America to remove this fraudulent inquiry from my credit report
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC (WA)

Started a refinance with Citadel XXXX Corporation dba Acra XXXX  on XXXX XXXX. They kept loosing papers and went through a lot of repetitive steps to reach the end. Was told by one XXXX XXXX that I could have {$65000.00}. at 5.6 % interest and pay only the interest for 10 years. My payment would be just over {$1500.00} a month. Citadel even did not notify the appraiser that this was a rental and that the management company needed to be notified. Thus I had to pay for 2 appraisers and a penalty to the first appraiser for going out to do nothing. Through all of this I thought we worked out an extension to save the interest rate. Obviously that did not happen. Finally in the first part of XXXX, after dealing with XXXX and a Virginia XXXX we got to the first part of XXXX. A week before signing I was told that since I lived in XXXX I had to get the final forms notarized in the consulate. Or I would need a POA to assist but the POA needed to submit a letter and had to be approved. Meanwhile XXXX told me that I had until the XXXX to sign the papers. So I flew to XXXX to have the papers notarized. I was shocked beyond belief. Out of nowhere I was charged a 7.1 , % interest with a payment of over {$1800.00} a month and in full and only received {$49000.00}. Acra has refused me any explanation or any help. They have completely ignored me. I wrote to the sales manager and never received a reply. XXXX advised me to sign the papers and the difference could be worked out later. Just another lie. By the by the normal interest rate should have been the 5.6 %. They completely ignored the {$590000.00} actual appraisal figure. I have been with Citadel for a long time and never expected this kind of treatment. Also the settlement date and dispersal dates are wrong.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been banking with BofA for more than a year, and never had problems, recently in XX/XX/2022 After selling my car I deposited Cashiers Check for XXXX XXXX through teller in XXXX, and immediately got my account blocked, went to another branch after that on XX/XX/2022 and they told me that my account is going to be closed soon. So the Check that I deposited was on hold and now my account is fully closed. Bankers told me that i'll receive my funds in 7-10 days to the address on file with them when my account will be fully closed. But my school is started and I need money to buy my books and pay my rent and i have payments due. Customer support told me that Check was cleared but account is closed and funds have been transferred to another department which will investigate my funds, called the guy who gave me this Cashiers check and the bank that issued it to me, they said theres nothing wrong or fraudulent with that Check, and Bank of America has my money now. Im trying to fix this problem now, telling them to expedite this process of investigation, but still no result.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Congress has made it clear that Equifax has ASSUMED this role of assembling and evaluating my consumer credit, I have never given Equifax permission to do this, not only does Equifax NOT have my permission they have also NOT been given my consent. Equifax has not exercised their GRAVE responsibility, Equifax has been unfair, and Equifax has not respected my right to privacy. I have already filed multiple CFPB complaints AND an attorney general complaint. I have never constructed Equifax to furnish a report and have never consented to any report in the first place. Equifax is in breach of Federal Privacy Laws as well as their own data sharing policy per their companies website. Equifax has been asked to provide me with their alleged consent which they should have on file but Equifax does not have on file that they have my consent.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This company, XXXX XXXX is continuously reporting inaccurate, unverified and mismatched data across all XXXX of my consumer credit reports. In this latest example as you can see in the attached documentation, they are reporting the date of last activity on my XXXX report as XX/XX/XXXX. My XXXX report with a date of last activity as XX/XX/XXXX, and my Experian report with a date of last activity as XX/XX/XXXX. If the information was accurate, why is it reporting XXXX different dates to include a date just a few days ago? 

Date of last activity can only be changed or updated for the following reasons. XXXX. The consumer makes a payment. XXXX. The consumer misses a payment. XXXX. The balance of the account INCREASES. NONE of which occurred on this alleged " CHARGE OFF ACCOUNT '' that they are reporting as a " '' COLLECTION ACCOUNT ''. The company failed and continues to fail and adhere to following the guidelines, standards and laws when it comes to the FCRA and XXXX Laws pertaining to debt collections and reporting. See the attached documentation showing the inaccurate, mismatched, and different information across all three credit bureaus.