davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (FL)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-01-19
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. (NY)

Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX  score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this since 2017 to present.
Consumer complaint received 2022-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

This company services my mortgage loan. On at least eight occasions I have attempted to make payments on the principal. The company has hind, lost and or rejected payments on the the principal even though I paid up to date on the mortgage. 

In XX/XX/2021, I made a payment to this company of {$500.00} to be applied to the principal only. This was made over the phone and the representative said it could be done. ( I have the XXXX XXXX XXXX statement showing this ). The company is now saying that this payment was never made. I have proof of the payment. 

The company is constantly misappropriating my funds. I find that they discriminate against me and my mother. I have constantly had issues with them over payments, fees, and made up changes. 

They have hindered me from paying on the principal. I have documentation showing various misjustices that they have done.
Consumer complaint received 2022-08-01
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 a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-01
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (OH)

Below is a list of credit inquiries I DID NOT authorize. I called all three major credit bureaus XXXX, XXXX, and TransUnion ) which stated that they would remove them but they remain unto this day. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-25
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. (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.

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 2023-05-10
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: Complete Credit Solutions, Inc. (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NJ)

The Credit Bureaus are reporting inaccurate information on DISCOVERBANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( DISCOVERBANK XXXX )
Consumer complaint received 2022-08-01
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. (AR)

This is XXXX XXXX, an I am submitting this comlaint myself to address the inaccuracies on my Credit Report. I am submitting this complaint to inform the Creidt bureaus that I was the victim of identity theft. I researched on how to remove the fraudulent information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$85.00} XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-19
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. (IL)

i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus XXXX  XXXX transunion about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. XXXX XXXX  on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX on my credit report from when my ex wife XXXX my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Upgrade, Inc. (CA)

I opened my Upgrade checking account on XX/XX/XXXX. In XX/XX/XXXX, they froze my account and would not allow any checking transactions or debit transactions. I completed a verification call with Upgrade to verify ownership of two linked external banks in XXXX and XX/XX/XXXX. Since then, Upgrade has not communicated the status of my checking account, and the account is frozen. I've contacted the company in XXXX, XXXX, XX/XX/XXXX. In XXXX, they told me that they'd finalize closing my account on XX/XX/XXXX. In XXXX, they said the account was still 'in review '. I called again in XX/XX/XXXX and they still show the account as 'in review. I have {$4500.00} in this checking account and can not access it. 8 months is a long time to hold my funds without communicating the status of my account to me. I would like to have my account closed and my funds returned to me.
Consumer complaint received 2024-08-24
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2021-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (IL)

I took the COVID XXXX forbearance for 9 months between XX/XX/XXXX and XX/XX/XXXX after losing a job due to the start of COVID restrictions in XXXX. I started a new job in XXXX of XXXX and was ready to work on the loss mitigation/modification plan for my mortgage after this time. Initially, no one would even talk about how to get the account current until XXXX year had passed from the forbearance date. Then I was asked to fill out a loss mitigation application in XXXX of XXXX to see what loan modification options were available to me. 

The loss mitigation process has been near impossible, and no end is in sight yet. This request has been going on for 5 months now, and probably a dozen or more different requests with new items requested each time. Things like bank statements, proof of hardship, explanations of deposits, tax returns, budget numbers- this list goes on and on. I send in the information requested each time, but it is definitely wearing on me and they know more about me financially than I even did at this point. 

I can not get past this process, and they say it needs to be 100 % complete to be given options to fix the account. It almost seems like harassment at this point. I continue to fill out paperwork and send things in, probably at least once a week. Then they come back with new generic documents with additional items required I have to procure. 

At the same time, the collections department is calling and threatening foreclosure on the home, even though I am working through the loss mitigation process. It is not my fault that they keep requiring additional information, and have pushed this process so long. The collections department and loss mitigation department are not connected for some reason either, so when I ask if they can reference prior discussions, they don't have that information. 

I am just trying to get some type of loan modification option so I can get my account current, whether that be the option to tag the payments to the end of the loan ( my preference ) or something else. I CAN NOT get to this point because their loss mitigation application process is a mess. And I fear they are going to try and foreclose because of how long this process is taking ( as stated earlier, over 5 months of back and forth at this point ). I am making my monthly payments now for a while, but they want to collect now on the 9 months of forbearance and I just don't have that kind of money available all at once. I thought there were rights offered to people in my situation with the CARES Act, but each time I bring that up I am ignored.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

My navy FCU account has been reported incorrectly. I have printed my credit report from XXXX XXXX and XXXX. All three credit bureaus report different things. Example account numbers on credit report for all three bureaus are reported different. Date account opened all bureaus repeat differently XXXX  reports it opened XX/XX/XXXX experian reports it opened XX/XX/XXXX. Balance reported from XXXX XXXX XXXX reports XXXX. High credit reports XXXX  XXXX and XXXX  reports XXXX. Past due balance is reported by XXXX XXXX XXXX reports XXXX. Payment status reports from XXXX current while XXXX  reports late 30 days. Comments are different XXXX reports credit card amount in h/c column is credit limit XXXX  and XXXX  have nothing reported. Date last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. 

All three credit reports have reported multiple times inaccurate information. 

navy FCU and the credit bureaus should be reporting validated and accurate information pursuant to FCRA which they have not done in this case
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

This must be addressed immediately! Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as additional damage when they have been CLOSED for about a decade and should not even be on the credit report at all! The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. According to the FTC, they must be removed as they are too old to be on file. Remove these from my Equifax credit report immediately. U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX/XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was on a forebearance due to covid from about XXXX of XXXX to XXXX of XXXX. I made my 3 temp payments to get back onto my normal mortgage payments and agreed to an amended mortgage to pay back what I owed for a 10 year extension. It has been 7 months and I still have not received my amended mortgage and everytime I call they say either it's in the process and the last time I called they said the docs would be at my house by then of the week ( 2 weeks ago ). The morgage lender is 5/3 bank. I am trying to refinance and can not because they refuse to send the amended mortgage docs for months now, and it still shows I owe over $ XXXX in payments to them.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

mortage settlements in attorney general website were my homes ande now im the exe4cutor for XXXX XXXX banks XXXX XXXX college fraud and students stealing i have no statue of limitations they made law its legal to murder me by XX/XX/2022 and i withgout funds car home and have zillions each county
Consumer complaint received 2022-09-10
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. (PA)

I am natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 UCS 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed becuase According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX  XXXX : Account number XXXX XXXX XXXX XXXX : Account number XXXX XXXX