davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (FL)

We are in a CARES Act protected program in consideration by HAF/DEO Florida - We applied in XX/XX/XXXX when 18 months was the allowed period of time. We are a family of whom three persons have XXXX. Our case was decided 5 months late so as to group us into XX/XX/XXXX when FL Executive order decided to reduce federal fund payouts to only 6 months. Rapidly our case was closed to make it inaccessible since. We are whistle blowing and pursuing the 12 months still owed separately by formal appeal XX/XX/XXXX after a wage-earner within the family has long XXXX and XXXX XXXX as a result. There have been covid funds questions since as missing funds may have been diverted away from the benefit of homeowners like us. 
Meantime, Midland Mortgage & MidFirst Bank are aware of all this as the fact of a government review being fully noted on our mortgage. Instead, the bank is pursuing delinquency. They did not follow the CARES Act and on our case which is fully certified and underway by HAF they reported both mortgagee homeowners to the credit bureaus, ignoring a Forbearance request sending a form letter requesting documents prohibited by the CARES act. They ignored an online application filed XX/XX/XXXX when non delinquent and while refusing to reply under the Americans with XXXX XXXX as pre-notified they reported us to the Credit Bureaus so our good standing credit of XXXX dropped almost XXXX points. Every loss mitigation step we qualify for including streamlined USDA refinancing on our government-guaranteed mortgage was bypassed. We noticed they started pursuing debts days within the 15 day grace period when they hadn't yet defaulted, as well as fees which Statute prohibits. Every effort to resolve by our reaching out repeatedly with proof was ignored, instead accelerating us into foreclosure. This is bad faith by the mortgagors which has worsened our health and they are liable for job impact directly caused by continued non compliance and non response. The online access seems to exist as a front to purport to be following statute and stipulations.
Consumer complaint received 2023-06-29
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter XX/XX/2023 to dispute inquires on my report that was not made by me and I received an email from the company on XX/XX/2023 to say the result is ready but I can not access in online and provided number to call. I called to ask about the report and where I can access it and I had difficulty with getting report. I was just told that the inquires are still there which means its accurate and still they can not provide me with the report that determine how they got this information to say it was accurate. I would like copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-07-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I got a loan with a company used to be called XXXX on XX/XX/2022, the company put part of the loan in a locked savings account which won't have access to until the loan is paid off. 

A few months after I took the loan, XXXX informed all their customers that they decided to sell all customer loans to another company as a strategic business decision. Thus, my loan was sold to a company called " XXXX XXXX XXXX XXXX , XXXX '' or XXXX as short name. 

I was able to establish online account with the new company and set a username and password to start paying my monthly payments to them. Due to financial hardship, I was late for a few months. One day, I was trying to login to my XXXX portal to make the late payments, then I received error message saying " XXXX - File or directory not found '', so I wasn't able to make any payments. 

A few days later, I was checking my credit report and found that I have negative account showing on my credit reports as a collection account with amount of {$110.00}. It seems that XXXX liquidated the savings account and used to pay the balance on my account without informing me. 

The savings account that was locked had a balance of {$670.00}. However, that savings account was liquidated and the amount of {$670.00} was used to pay the loan balance. Please note that I didn't receive any communication or mails from XXXX that my savings account will be liquidated. And as I mentioned above the website of the successor company who bought the loan from the XXXX wasn't not letting me to login so I couldn't pay the balance of the loan which was {$110.00}, and I don't have any information for that company so I can send them the payment. 

As I mentioned earlier I didn't receive any mail or any communication from that company regarding any actions they were planning to take regarding my savings account or the loan balance. I am also attaching screenshot for the screen when I try to login to my account through the company 's website, and will see that it gives me error message as " Not Found '' page. Now that amount of {$110.00} is showing in my credit report as charged off or in collection. 

Now my credit score went down because of this negative account that is showing as a collection on my credit reports with all the 3 credit reporting agencies. 

With all that mentioned above, I am requesting to delete that account from all of my credit reports as it's causing harm to my credit specially that I need to move soon and rent a new apartment, and with that account showing in my credit report it will be hard for me to rent a new place. I want to pay the balance owed of {$110.00} but I need first to make sure that XXXX will remove the negative account from all 3 credit reports and I need to know how can I pay that balance. 

Thanks, XXXX XXXX
Consumer complaint received 2023-11-05
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Iowa XXXX, Iowa XXXX Re : Formal Complaint against XXXX for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against XXXX, a credit bureau , for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to XXXX, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with FIFTH THIRD BANK NA and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$430.00}. 

The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to XXXX requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt. 

XXXXXXXX XXXX response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, XXXX continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as XXXXXXXX XXXX actions appear to be in violation of the FCRA. It is my belief that XXXXXXXX XXXX failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities. 

In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that XXXX adheres to its obligations under the law. I have attached copies of the certified letter sent to XXXX, as well as any correspondence received from them in response to my request. 

Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (NM)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to delete this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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 Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.
Consumer complaint received 2023-07-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
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: Experian Information Solutions Inc. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-05
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: EQUIFAX, INC. (FL)

Un-Authorized 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
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (MN)

Attached to this complaint is a letter from XXXX XXXX of Notice of Data Breach informing me my personal information has been compromised. The following accounts and hard inquiries currently listed and showing on my XXXX and Equifax credit report is not my accounts or hard inquiries and is the result of the data breach and identity theft : XXXXXXXX XXXX XXXXXXXX, {$330.00}, XX/XX/XXXX, XXXX XXXX : XXXX XXXX {$320.00} XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
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: Goal Structured Solutions, LLC (NY)

In accordance with the fair credit reporting act these creditors have violated my rights Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 also states consumer reporting agencies can not furnish an account with out my written instructions 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

On XX/XX/2023 I received an email about an escrow check that I needed to respond by XX/XX/2023 in order to receive. I called US Bank on XX/XX/2023 to received said check. The woman on the phone told me they had an old address and they would send to my current address. I called back on XX/XX/2023 and spoke with XXXX who told me that the prior woman did make a mistake and did not send it to the right the address ( it would take 10 business days to receive the new check ). XXXX put in a work order that stated it would be sent to the " right address '' but never updated my information. I asked if I could go to a US Bank to pick up the check, they said no, bc US Bank is check/bank but not lending/mortgage. Then on XX/XX/XXXX, I spoke with XXXX who said the check was sent on XX/XX/2023 and that it's in the mail to the correct address. I asked when I should call back to state I did not receive the check, he said either way, we can not cut another check until 30 days from the prior cut check. He told me it was being mailed from KY and there is no tracking number. I called Friday, XX/XX/XXXX, spoke with XXXX, who said it appears to have gone to the right address, but again, my correct contact info to-date had not been updated. She gets a supervisor, XXXX, who says " we didn't mess up so we will not overnight or track it, she has to wait for another cut check in the mail. '' I can not get assistance on them proving they've ever sent the check or provide assistance on a tracking number for the check.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-20
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. (NY)

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 15U.S.C 1681. 

Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 15 USC1681 section 602A. States I have the right to privacy.

15 USC1681 section 604A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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