davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (IL)

XXXX XXXX XXXX in XXXX Va and XXXX XXXX both denied me a car loan using erroneous information from Experian. The details of my credit history is as follows. I have a XXXX XXXX of XXXX, can't get much better than that. I have NO loans and the majority of my purchases are on my XXXX XXXX card that I pay off in full every month. there are a couple of credit cards from stores etc, I hardly use them and I. pay each and every one in full at the end of the month. I am retired, I own my home, no mortgage. No car payments or other consumer loans. I have assets in excess of {>= $1,000,000} the majority is in my retirement investment account, the rest in a bank or is real property. by any account I am an excellent credit risk. The explanations from XXXX and XXXX XXXX, make no sense and couldn't be a conclusion gleaned from the experian credit report. I believe I am the victim of discriminatory credit practice.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

Ive had an Apple credit card which is connected with Goldman-Sachs for 3 years now, and every time that Ive made a payment its been processed within 24 hours. For over the past month now it has taken weeks to process a payment. Currently I have 3 payments that were made to them between XX/XX/XXXX - XXXX and will not be processed until the middle of XXXX! The amount of my money that they currently have on hold is over {$2300.00}. 

I have contacted the company several times via text as they will not give me a phone number, and in every text conversation I am told one silly excuse after another for the reason for the holds. I have heard everything from I made the payment on a weekend to the payment was too large ( {$1000.00} and under ). These seem like ridiculous excuses, and it bothers me when I ask to speak to someone that they say someone will contact me in 10 - 14 days. It is incredibly troubling that I have to wait for a large company like Apple and Goldman-sachs to contact me in 10 -14 days. Also, without knowing when or who is calling me I may not even answer 10 days from now? Then what do I do? It all just seems very silly to me. Something is not right here. 

I also dont understand how I'm expected to pay off a credit card each month when it takes more than two weeks to process a single payment. I would like an answer as to what is going on? Why is this happening all of a sudden? 

I'm very worried that there is more going on in the background, then what they are telling me, which is little to nothing. 

Thanks for your help! 
XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (SD)

On XX/XX/XXXX Experian manipulated my credit scorXXXX down XXXX points. For the next couple days I made multiple calls with no help or resolution from Experian. I then called freecreditreport.com to get a credit report sent as Experian was not help in identifying why my credit score change so drastically with no indication of any negative reported. XXXX and XXXX got my credit report to me via US Mail promptly. I still see nothing to change my credit report as Experian did. I have yet to hear back after over three months about getting my credit report from Experian in the mail. I then complained via CFPB XXXX and XXXX. I then sent a letter to Experian asking for my credit report once again XX/XX/XXXX. I have found no answer and no credit report. I have called at least two dozen times but Experian has not be willing to send a credit report or even say why they have not. On XX/XX/XXXX Experian again manipulated my credit score down by XXXX points. I complained again via CFPB XXXX on XX/XX/XXXX. I have called Experian three times in the past week. Twice the Experian representative said they transfer me to a mysterious department to get a credit report sent and then they hung up on me. The other time the Experian representative said they would elevate the issue but I have not heard anything back from Experian for over a week. I have went above and beyond requesting a credit report in every why Experian claims to request one. Experian is in violation of the Fair Credit Reporting Act when they have not provided a credit report or even attempted to provide feedback as to why they have refused to provide one after Experian and only Experian has decreased my credit score. Even the people at FICO have said they have nothing negative on their reporting.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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


IDENTITY THEFT ACCOUNTS : XXXX XXXX XXXXXXXX # XXXX - IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2021 Equifax 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This appears to be a XXXX XXXX XXXX  account # XXXX. I have disputed this account numerous times with Equifax and nothing was done. The account does not report a credit card limit but reports a high balance and past due amount. It is listed as a collection/charge-off account, but reporting a positive payment history as if payments are being made up until XX/XX/XXXX. It states that the last payment was made on XXXX 

This has continued to affect my credit report over the past few years even though it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Consumer complaint received 2022-08-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (VA)

I am attempting to cash out refi with my current mortgage co Flagstar. On XXXX I contacted Flagstar to obtain a HELOC which they said they cant do so I asked for cash out refi. 

Daily to date, I have extensive emails trails of Flagstar imparting arbitrary rules and requirements on me that appear to be purposely designed to prevent me from obtaining the cash out refi. They ordered me to sign their prepopulated form of data that was factually incorrect & refused to correct the formI contacted a local Flagstar branch in XXXX VA who very helpfully escalated my concerns. The form was 80 % updated for factual correctness. 

Flagstar has asked me daily for new and unspecified information without articulation, refusing to complete a final list of true requirements from me, and also refusing to provide an estimated close out date for me to receive the cash out refi money. 

My personal experience to date in this process seem to me only to be in line with Flagstars historical record on CFPB of still not ethically adhering to mortgage servicing rules : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ TheyXXXX are effectively holding me back and preventing me from purchasing a home by not performing duties required and clearly communicating requirements for me in order to run my cash out refi process. 

Daily emails between me & Flagstar appear to show new arbitrary requests that they eventually conquer once I pressure them to apply some measure of reasonable thought. They have asked me to complete non existent forms without a specified format, asked me to provide proof of assets without justification, have gotten my address wrong on binding documents, insisted on contacting my ex-spouse as part of my sole property ownership process, not responded to multiple requests to update their errors in their own forms, asked me to complete forms that are not on any official letterhead, called me instead of written me back in order it appears to avoid a written record of further incompetence in how they process my cash out refi.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX DL : XXXX Formal Complaint Regarding Unauthorized Access to Consumer Information To Whom It May Concern, I am writing to formally address a matter regarding inaccurate and unverifiable information on my credit report that XXXX has failed to correct or delete, in direct violation of the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, XXXX has a legal obligation under the FCRA to ensure the accuracy and integrity of the information it furnishes and to delete information that can not be verified. 
Despite my previous attempts to dispute this inaccurate information, XXXX has continued to report items that are detrimental to my credit standing. This failure to maintain accurate information has adversely affected my creditworthiness, resulting in both financial and reputational harm. 
Under Section 611 of the FCRA, XXXX is required to conduct a reasonable investigation when a consumer disputes information, including verifying the accuracy and validity of disputed items. If XXXX can not verify the accuracy of this information, it must be removed. Yet, my file continues to reflect information that remains unverified and inaccurate. 
To remedy this situation, I am requesting that XXXX : Verify The Asset Amount listed on my credit file. ( XXXX ) Immediately delete the inaccurate and unverifiable items on my credit report as required by law if not verified. 
Provide written confirmation that these items have been removed or corrected and if verified from where, along with an updated copy of my credit report ; Please treat this as a formal complaint, and consider it my final attempt to resolve this matter through administrative channels. Should this issue remain unresolved, I am prepared to pursue legal action to seek damages for XXXX failure to comply with the FCRA. 
I expect a prompt response outlining the actions XXXX will take to correct or delete the unverifiable information, along with assurances that such issues will not recur.
Consumer complaint received 2024-11-13
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} XXXX U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX Balance {$610.00}.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-17
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER: XXXX  LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX  

 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX  WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E EXPERIAN, TRANSUNION & EQUIFAX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, EQUIFAX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; TRANSUNION, EQUIFAX & EXPERIAN IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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