davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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)

I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving XXXX, XXXX, and TransUnion.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I reviewed my consumer reports and I noticed that I had several late payments on accounts I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX XXXX to XXXX XXXX for account # XXXX. This is in complete violation of 15 U.S Code 1666b and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots attached :
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (KS)

I am currently experiencing some of the same issues involving navient. I took a private loan out to repay for my XXXX XXXX. I was informed that these loans are in forebearance rather than deferment while in school. So a small loan turned into a large amount which is currently accruing interest while in forbearance. I feel as though I have been lied to about the correct appropriations of my repayment efforts. Furthermore, Navient did not consult me regarding my forbearance.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and California identity theft and fraud laws, specifically California Civil Code Section 1798.92 and related statutes. 

It has unequivocally come to my attention that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, California state law emphasizes the necessity of consumer consent for credit reporting. California Civil Code Section 1798.92 establishes clear guidelines for the protection of personal information and the severe consequences of identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1798.92. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and California state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCM COLLECTIONS/ MIDLAND CREDIT MANAGEMENT, will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Worth Finance Corporation (TX)

This loan was from a convenience check mailed in my Name, however my XXXX  opened the letter, signed my name, including my social security number included his contact information deposited the check online without my knowledge and did not not repay amount. Because he forged my signature and took out this loan in my name and used the funds, As per our divorce decree He is responsible for debt as it was his. 
If needed I am able to provide copy of divorce decree and check signed by him.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan did not pay the XXXX XXXX XXXX their portion of the dividend payment for tax year XXXX and XXXX. 

Furthermore, they have referred me to XXXX XXXX to reclaim the XXXX XXXX XXXX. 

No where in the forms filed with the XXXX  is it disclosed that the reclaim has to go through XXXX XXXX. 

The XXXX XXXX XXXX of Limitations is XXXX Years. XXXX will not assist with anything prior to their XXXX Year Terms. 

JP Morgan has put me in tax harm with the XXXX XXXX XXXX for at least XXXX  years. They will not reproduce the XXXX prior to XXXX so I can share with the IRS. 

The have cost me the opportunity to reclaim the XXXX XXXX XXXX and file the proper amended tax returns. They have caused me extreme cash flow problems.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX, XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting inaccurate and incomplete information on my Credit Report. After the dispute process the results were as follows " account data updated ''. The most current reporting still reports information which is inaccurate and incomplete. 
The following is a list of incomplete and inaccurate information contained in the reporting of XXXX account XXXX. Account was reported opened on XXXX/XXXX/XXXX however there is no reporting prior to XXXX
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (GA)

I been a customer with Barclaycard for couple of years now. On thevXX/XX/2016 I have call the for a dispute matter I noticed on my account. I have stay in contact with them every week. Today XXXX/XXXX/2016 I just fount out my claim was closed because of no communication. I have been transferred couple of times but they would not transfer me to a manager when I asked for one. I have never received a letter in mail or phone call regarding this matter. I am disputing the amount or {$200.00} form XXXX XXXX because I did a online application and was specified to me if my application is denied the money will never been take out of my account. I have the denial letter with all my information. Please help me with this matter
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I have XXXX issues that I have talked to Equifax about and nothing has changed. 

1 : First all my father and I have the same name and address so some of his stuff got reported to my credit. I did however get his accounts taken off BUT XXXX of his inquiry 's stayed on. I disputed it but Equifax left those XXXX on. XXXX was XXXX financial and XXXX XXXX. XXXX XXXX is XXXX 2015 and the XXXX loan ( NOT CREDIT CARD ) from XXXX 2015. 

2 : I had XXXX accounts I DID NOT dispute was taken off my credit and I would like them back. Equifax told me to call the merchant. The merchant told me since the account was paid in full and in good standing and closed Equifax would have to put it back.. The XXXX accounts i want back on my credit are XXXX : XXXX also known as sterling XXXX XXXX : was capital one/ XXXX XXXX. Please ADD those XXXX accounts back to my credit.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

I have requested my free annual credit report from all XXXX Credit Bureaus ; of which I received from XXXX and XXXX. Equifax constantly states my information given does not match their records. So I then go to the Equifax website to try to dispute info on my credit report. Again, I still receive the same message. I have a XXXX account and I put the same info they have listed on their into Equifax online dispute form page and it sates, " Information does not match their records ''. So I call Equifax and am told to fax over documents and if I want to gain access to my credit file online I would have to pay for it. I believe Equifax is giving this prompt out to many people so that they can sell you your credit report and make profit. The information I 'm putting in is the exact same as I see on my XXXX XXXX profile page. I currently do not have a mortgage, car loan or credit cards but the security question prompt will not accept " None of the above '' as a response.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (WV)

I was going through my credit report and listed on my report is a previous address in XXXX XXXX. I have never visited, or lived in this state. I have always loved in the State of XXXX. I have only visited the states of XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. Apparently there is some identity theft or fraud happening, or has happened in my name. I would like this to be investigated thoroughly and some type of report submitted on behalf of my name to clear up any errors or collections that I have no connection to.
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

My home suffered damage during the natural disaster, hurricane XXXX. The insurance company sent the repair check to my mortgage company, seterus, who refuses to discuss releasing the funds to me, for me to repair my home. Seterus representatives have also threaten me with foreclosure. I have roof and interior damage, that need to be repaired ASAP to avoid further damage from inclement weather and the possibility of mood developing. Seterus actions as a result of a natural disaster should be illegal and they should be investigated and charged.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I was working with Navy Federal Credit Union over three months to secure a refinance on my primary residence. There were many delays in the process on the part of Navy Federal CU to the point that my rate lock expired and was told I could only get a 4.125 % interest rate with XXXX points instead of the XXXX with XXXX points originally agreed on. It was not communicated that the rate had gone up until over a week after it had occurred and multi months into the process. At certain points I had to call three times over several days to get a response. Other times the only way I could get someone was to have the Navy Federal operator actually go get the processor. 

This is the timeline based on my documents and emails : XXXX - I received the initial Loan documents after applying online XXXX - I reviewed documents XXXX - I faxed Requested Documents XXXX - I emailed to see that the fax arrived ( no response ) XXXX - I received new documents for me to review note : Navy Federal spent 2 weeks beginning XXXX XXXX to review documents before ordering an appraisal XXXX - Appraisal ordered XXXX - Appraisal Completed note : Navy Federal spent 2 weeks to review appraisal and additional documents XXXX - I received email indicating that the processor reviewed the file and missing documents were needed ( Rental agreement, XXXX form ( missed checkbox on form ), HOA information ) XXXX - I faxed the requested documents XXXX - Processor sent files to review ( she believed complete ) XXXX - Back from review ( extra documents needed ) - NFCU increased funds required to close and requested documentation of Trust ( note : this is a standard revocable trust ) XXXX - I faxed the requested Documents XXXX - Processor indicated documents were being reviewed XXXX - I emailed about rate extension since it expires on the XXXX ( no response ) XXXX - I emailed about status ( no response ) XXXX - I emailed about status again XXXX - Processor response to my email : trust information still being reviewed XXXX - I emailed about Rate extension ( no response ) XXXX - I emailed about status ( no response ) note : Navy Federal Spent 27 days reviewing documents since submitting the additional information that they requested XXXX - NFCU emailed saying trust is cleared to close and received updated payoff, file sent to review for close, I received a new document to review ( no mention that the rate was increased but in actuality it had been ) XXXX - I emailed the processor about closing as I had not heard anything, received reply that close can occur on XXXX XXXX XXXX - I asked if we got rate extension, received reply that extension completed at current market rate ( this is the first time I was informed that the rate had increased ) At this point, I asked Navy Federal to give me the originally agreed interest rate ( 3.625 ) since the multiple delays were due to NFCU. They said they would not honor the original rate.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


XXXX XXXX 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! 


Update the late payments from my consumer reports
Consumer complaint received 2016-05-13
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

We are sick and tired when our true and lawful Attorney-in-Fact XXXX OVERSEER AND SUCCESORS, A CORPORATION SOLE ( hereinafter " XXXX '' ) contacts BANK OF AMERICA , NATIONAL ASSOCIATION ( hereinafter " BANA '' ), and COUNTRYWIDE HOME LOANS, INC. D/B/A BANK OF AMERICA HOME LOANS ( hereinafter " CWHL '' ) at ( XXXX ) XXXX or ( XXXX ) XXXX about BANA and/or CWHL not complying with Federal Law when BANA and/or CWHL has never properly sent or shipped any " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' ( hereinafter " NOTICE '' ) ( open " First Attachment '' ), dated XXXX XXXX, XXXX, even though BANA and/or CWHL claims that the Creditor is not BOFA MERRILL LYNCH ASSET HOLDINGS, INC.? 

XXXX constantly calls BANA and/or CWHL to produce all new " NOTICES '' under Federal Law from the last time BANA or CWHL officially shipped a " NOTICE '' on XXXX XXXX, XXXX. BANA and/or CWHL employees, representative, agents, and managers give XXXX the runaround, BANA and/or CWHL never responds, calls, faxes, or emails XXXX. XXXX also gets numerous amounts of Reference Numbers, Request ID Numbers, and Case Numbers, that BANK and/or CWHL never, ever addresses or properly responds too. BANA and/or CWHL hopes XXXX goes away by constantly and intentionally ignoring XXXX 'S ongoing request for BANA and/or CWHL to produce all " NOTICES '' that took place from XXXX XXXX, XXXX to XXXX XXXX, XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My student loan in the amount of XXXX came off and my score didnt even budge! it's stagnant wont pass XXXX at all I dont know how or what else to do to bring it up this is a total farce and needs to be investigated because when my bills were current and up to date the score stayed the same and it's unacceptable! its a complete run around and when you ask questions you dont get a serious answer what's the purpose of a credit report it serves no purpose at all
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

This item was purchased by a third party debt collector. This account must be deleted as the status is not correct and amount was paid for less than owed by the Third Party Debt Collector. The accounts is highlighted below. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be deleted immediately Date opened : XX/XX/XXXX Jefferson capital syst Balance {$1500.00} Account number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$880.00} Account Number : XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$640.00} Account number : XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA so the accounts is not accurate or complete. I would like these accounts deleted please.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

THis morning I received an email from XXXX XXXX saying that a new inquiry was just added to my XXXX credit report. * Because I know it can affect your score, I went to check to see what the information was as I certainly DID NOT give anyone permission to check my credit. 

My credit Report stated there was a hard inquiry made from the following : Inquiry details : GS BANK ( Bank ) XX/XX/2024 I have no idea what that bank is and nor did I give any permission for any inquiries to be made on my behalf. 

I would like to file a dispute with the credit bureau ASAP to ensure there has not been identify theft of some kind and this type of occurence does not continue to count against me.
Consumer complaint received 2024-10-25
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. (MN)

MISSOURI HIGHER EDUCATION, XXXX and Transunion wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.