davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was the victim of a fraudulent account merging by Experian. I was made aware of this issue by a mortgage consultant when I was denied for a loan based on Experian 's report. I have held an account with experian for many years and was unaware of this merging. No information of anyone else was on my report or account. When trying to speak to someone, the automated system sent me in circles. If trying to dispute, it states that there are technical issues within their online system and I am unable to continue further. In order to get any further assistance, you are redirected to pay for a service. This has hindered me from getting approved for a home loan and delayed my life, affecting me negatively. The customer service is horrible if you can get in touch with anyone. All of the numbers for Experian send you thru their automated system.
Consumer complaint received 2020-07-08
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)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2020-01-24
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Comenity bank continues to call more than 10 times a day I find this the most harassing from a company that has took over an account that has put this on my credit report 3 times for 1 account with 3 different amounts owed
Consumer complaint received 2023-05-31
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)

Thank you for your response to my CFPB complaint in regards to XXXX XXXX  XXXX late payment ( s ). Complaint ID XXXX 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information Please provide evidence of your reasonable procedures that you used to come to such a conclusions that this information is verified. Who did you talk to? When did you talk to them? Give me the name of the person and telephone number you used and what address did you contact. How was the information I provided used in your investigation? Please provide ALL documentary evidence. Any creditor, lender that is furnishing my information to a consumer reporting agency must have signed disclosures on file from me giving them permission to report. Please provide me with a copy of all procedures use so I can start my administrative process.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Advanced Resolution Services Inc. (OK)

OnXX/XX/XXXX I mailed a letter to Advanced Resolution Services ( ARS ) requesting a Security Freeze and informing them that I could be a victim of identity theft. I attached all required documents in order to allow ARS to verify my identity prior to processing my request. OnXX/XX/XXXX, I received a response by mail stating that my request was denied because a signature was not provided. OnXX/XX/XXXX, I mailed a second letter with the required documents reattached and demanded my request be processed as a signature is not required by any regulatory body as a method of uniquely identifying an individual. OnXX/XX/XXXX, I received a second letter from ARS denying my Security Freeze request. The second letter I received provided no direct response to my challenge regarding the signature and therefore provided no reasonable path to a solution. XXXX had no problem fulfilling my request without a signature. I provided the exact same information to XXXX and they complied quickly and professionally. ARS has compromised compromised my livelihood and violated my rights by denying my right to a Security Freeze. I have attached copies of the correspondence and evidence I provided to ARS with each of the two requests. I simply want my request to processed as ARS is legally required to honor.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act. The list of account below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

: XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCT NO # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT NO # XXXX3 / 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAYMAKE ANY CONSUMER REPORT CONTAINING AN OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORD OF CONVICTION 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 AND CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2023-03-23
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: PENNYMAC LOAN SERVICES, LLC. (NC)

I have been trying to get this late off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Fair Credit Reporting Act 15 U.S.C Section 609 states that credit reporting agencies do not have legal right to report Negative, Diverse or Delinquent accounts without signed document from me personally. I have not signed any such agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

I Used Chase Visa card to purchase tickets for flights from XXXX to XXXX, XXXX. 
Flights were canceled due to Covid 19 I have requested a refund. No response. 

I placed a chargeback via Chase Ink Visa. It was Denied. 

My complaint is against Chase Ink for failure to honor the chargeback. 

The Airline canceled my flights because of Covid 19 DOT XX/XX/XXXX Enforcement Notice Dictates they must refund my money. 
It is a fraudulent transaction since they will not refund my money.
Consumer complaint received 2023-03-18
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. (NM)

Identity theft victim made reports with FTC local PD and shared identity theft reports with three major reporting agencys and have little resolve also submitted countless disputes Transactions history are on report and late payments both are not permitted by FCRA also o have additional rights as stated in FTC for victims of identity theft. Also information has been compromised by multiple corporations. Proper investigation of information accepted by reporting agency as true and factual not conducted as evidenced by deletion of false inaccurate information as a result of disputes. Deletions are admissions and due diligence not carried out and proper investigation of furnished information was and continues to not be executed by any of agencies
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (IL)

Trying to maintain a membership with XXXX XXXX is incredibly overwhelming and has not benefited me in any way. I took over the membership in XXXX and have not used it, or even seen it. Ive been expressing my concerns since XXXX and XXXX XXXX has been incredibly dismissive. Instead of providing the assistance I requested, they placed my account with a collection agency ( Aspen National Collections ). My credit has been severely impacted due to this. I sent written communication to Aspen National Collections to cease their collection efforts and informed them that I was contacting XXXX XXXX to resolve this matter, but Aspen National Collections has continued to place derogatory marks on my credit despite. 



XXXX XXXX  needs to honor my request to end my membership and Aspen National Collection needs to cease all collection efforts and be removed from this equation. I will pursue my desired resolution through whatever means necessary.
Consumer complaint received 2020-07-08
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. (VA)

XXXX  XXXX  XXXX  XXXXDispute XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ftc violations or fcra inaccurate accounts
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IN)

The loan estimate issued XX/XX/2020 showed estimated closing costs of XXXX. The estimate calculation under calculating cash to close showed an adjustment and other credit of XXXX. 

We questioned what this was with the loan officer, XXXX XXXX, at Regions Mortgage and he said that it was what the seller had to pay under the purchase agreement. We wanted to make sure the estimate of XXXX was accurate as we didnt want a surprise at closing of needing more money to close. 

On XX/XX/2020 we were issued a Closing Disclosure showing closing costs of XXXX which was substantially higher than the estimate. Under calculating cash to close the XXXX adjustment and other credit wasnt listed under final nor was it listed as under loan estimate even though it was on the loan estimate. 

We questioned this with the loan officer and his Manager, XXXX XXXX, VP Mortgage Production Manager and was told it would be corrected prior to the closing on XX/XX/2020 and that the closing costs would be lower. 

On XX/XX/2020 we were issued another Closing disclosure that showed closing costs at XXXX which was substantially lower than the estimate. It was showing the sellers paying almost everything. This didnt make sense to us and we consulted with my father who is an attorney. The purchase agreement had the sellers paying minimal amount at closing. Again this disclosure didnt address the XXXX. 

We were then issued another Closing Disclosure on XX/XX/2020 that listed closing costs at XXXX and didnt again address the XXXX. It was never listed on the closing disclosure as a discrepancy to show why the closing costs were raising as it should have been. Our closing costs was XXXX over our estimate. We believe that if the Bank had correctly filled out the disclosure it would have had to offer a higher offset due to being over the legal limit that would have resulted in less costs to us over our loan estimate.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX 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 Collection In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

The company MIDLAND FUNDING, LLC is trying to collect {$6200.00} from me for an account they claim I owe. 

I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Funding has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Funding has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2020-07-08
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)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX   XXXX {$6300.00} XXXX CARD XXXX {$670.00} XXXX XXXX XXXX {$870.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Consumer complaint received 2020-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (ID)

My husband and I refinanced our loan with XXXX XXXX XXXX ( they're not the problem in XXXX. Our loan officer advised us not to make our XXXX mortgage payment because the refinance would fund in XXXX. It did, on XX/XX/XXXX. 

There are a few issues here ... 
Our previous lien holder was XXXX XXXX and we got a notification saying that the servicer was being transferred to BSI Financial Services. This new servicing would take place in XXXX, and I think it went into effect on XX/XX/XXXX. Our new lien holder was/ is XXXX , as of XX/XX/XXXX. 

I am filing a complaint against XXXX XXXX, BSI, and XXXX XXXX XXXX. 

We have received notices from BSI stating that the payoff amount was not sufficient enough ; that it was {$500.00} short! I've spoken with both BSI and XXXX regarding the difference. Escrow provided me with a payoff amount and BSI said that it was enough to cover the total loan payoff. XXXX  changed the payoff amount after the loan closed. If there was a discrepancy, our escrow account should have covered it. I have also yet to see a refund from our escrow/ impound account, that was supposed to be a direct deposit. 

I am tired of being passed around, and told to contact multiple departments to get this issue resolved. It sounded like BSI was being cooperative, until we received a new mortgage statement saying we owe them three months of payments, totaling {$6600.00}. That's insane! They're not even our lien holder! 

I called BSI again and they said they could not credit any of the payoff amount towards our account because of the missing {$500.00}. 

Lastly, I am not sure which lending institution it was, but one of them reported a 30-day late on my and my husband 's credit reports. This has severely affected our credit scores, dropping them nearly 130 points! I have completely lost my patience at this point. I am not wasting any more time, playing phone tag and detective, regarding who the best department is to resolve this. Everyone has records of everything. This has seriously inconvenienced my family.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2021.
Consumer complaint received 2023-04-17
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. (NJ)

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.