davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had complained this problem and complainment NO. is XXXX. BofA called me at XX/XX/XXXX, they told me that they will return the check no more than a month since I deposit it. and they will call me again. but I didn't get any answer so far. And the check they had hold XXXX XXXX, and didn't return back so far. They have no power to hold the check for XXXXXXXX XXXX and my BofA account has been closed by them for XXXX XXXX XXXX XXXX XXXX. they should return the check soon, it is illegal!
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed with XXXX, XXXX and Trans Union that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, XXXX with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the XXXX major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to XXXX and Trans Union. XXXX online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with XXXX XXXX and provided the payment history and they provided the payment history to XXXX along with that I sent the information via US Mail to XXXX twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to XXXX, XXXX or Trans Union to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to XXXX, Transunion and XXXX XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a XXXX XXXX and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to XXXX for help in resolving this matter.
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. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRANSUNION Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with SELFINC/LEAD, which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

XXXX : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor. 
Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. TransUnion and XXXX report different balances, with XXXX listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, XXXX notes an unpaid balance reported as a loss, while TransUnion does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible. 


For your reference, I have attached copies of my credit reports showing these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2022-01-26
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. (MA)

Dear Credit Reporting Agencies, XXXX, Equifax and XXXX ; I'm getting anxious every time i looked at my credit report with those alleged negative items listed below because you're failing to truthfully investigate my previous requests. Sorry, my English is not that perfect, but i'm stressed out. There is no way that your company can say that they complied with my investigation because there are still multiple errors, incomplete, and unverifiable information. 

Here are the 3 items I'm concerned about and I demand an immediate deletion. ( XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; & XXXXXXXX XXXX XXXXXXXX ). As you can tell, those accounts still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies.

Plus, for the last 3-4 months, I'm getting generic template responses from your agency. It's my understanding reading the recent articles from cfpb website that Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Re : US BKPT CT IL XXXXXXXX XXXX To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-06-17
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 have been having a hard time getting XXXX to remove this fraudulent account. Not only that it is in accurate. The dates on XXXX and XXXX are different, all reporting credit Bureau 's must be accurate on all bureaus. XXXX reads high amount {$1800.00} XXXX reads high amount {$2500.00}. In Accordance with Fair Credit Act XXXX XXXX  acct # XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent. I did not sign any documents ; I was never provided any documents showing my signature, or anything from dispute results with XXXX XXXX dispute. Credit bureaus provided no documentation showing how they validated the accounts. Without documents anyone could have open these accounts. That is totally unacceptable.
Consumer complaint received 2022-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (KS)

On XX/XX/22, I spoke with a party who is interested in buying my home from me. They requested I reach out to my Mortgage Company, 21st Mortgage, to inquire about Assuming the loan vs them finding their own financing. I reviewed the original contract signed at closing, and found that the clause implies it is possible for the Note to be assumed by another party/entity. On XX/XX/22, I called the mortgage company and requested them to explain to me what the process would be and what would the interest rate be if that person were to assume the note. The Financial Counselor did not hesitate to state that their company does not allow XXXX XXXX I pointed him to the contract. He stated that the contract was the original contract and that it only implies that it may be assumed. I corrected him and stated that the use of the word may is traditionally used in contracts and does not mean that they do not allow it. He offered for me to speak to his supervisor. We spoke and I got the same response. I am writing a formal complaint against this lender for unfair practices and not honoring the contract terms. I also am submitting for fraud as their website discusses the possibility of Loan Assumption under their Financial Hardship options. The Financial Counselors Supervisor also did not accurately portray what a Loan Assumption is as there are different types. Instead, he focused on one and tried to make it sound like they are protecting me, the borrower.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$2800.00} XXXX  XXXX Balance XXXX {$93.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$7400.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (MD)

In accordance with the FCRA ; The list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX Acct # XXXX Has Violated My Rights. 
XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # XXXX Has Violated My Rights XXXX XXXX XXXX XXXX Acct # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( 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.

15 U.S. Code 1681 ( a ) ( 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.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX  {$1500.00} XX/XX/XXXX I did not give this company authorization to report this collection to my credit report this violates my Privacy Rights Under The Privacy Act of 1974 I took action by asking XXXX XXXX  to send me information on this collection Debt in a form of a letter, still no action was taken on behalf of the company.
Consumer complaint received 2022-09-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Good Day : I currently have a VA loan with my mortgage lender, Carrington Mortgage Services. I went into the COVID forbearance plan during the pandemic. Afterwards, the mortgage lender did a trial loan modification ( beginning XX/XX/XXXX ) and asked us to pay a 3 month trial payment and they would send the trial loan modification agreement to us. We successfully made the 3 month trial payments per their requests, but never received the agreement after asking multiple times ( 3rd payment was XX/XX/XXXX ). We communicated and asked what was the next step and was informed they were behind on paperwork due to an overwhelm of loan mods and to wait. After complaints of not receiving updates, they recommended we start a new loan mod and submit an application ( XX/XX/XXXX ). Meanwhile, we were advised that we were still under the forbearance plan and were safe ( per their statement ). After months of back and forth, they have now provided results, which the modification was declined and they are suggesting short sale. We should have been considered for a VA partial and was not. A rep stated that the partial claim was inadvertently overlooked as an option and she admitted it should have been considered first, but it was now too late because they no longer offer it as they did not finish processing our XX/XX/XXXX application until XXXX. Prior to starting the forbearance, we were NEVER late and weve been in the home since XXXX. This is unacceptable as we were initially informed that we would have a loan modification completed and would continue to make monthly payments ; however, I can not pay the full balance that accrued during the forbearance. The lender has now submitted foreclosure documents to an attorney. We are fully capable of making payments. I am having extreme difficulties with the mortgage lender and they are requesting full payment of the balance that accrued during the forbearance period. They have now marked us as delinquent on our credit report after stating we were still under the forbearance during the loan mod. I DO NOT WANT TO LOSE MY HOME.