davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (TX)

I am simply asking you who gave you permission to report on my credit profile. Also, who gave you permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also, since you did furnish this account without my consent and reported on it every month without me knowing that is identity theft which is a felony. According to the law, it states in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person 's identification without their knowledge shall be sentenced to a term of imprisonment of 2 years. I am pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most known forms that all companies must have for a consumer to consent to XXXX or XXXX form Authorization to Disclose Information. Those are the only two forms that must be sent to me to even furnish this debt with my permission. You never offered those forms to me. Also, since you are still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report took a hit because you do not care, and this caused me to miss the job that I initially had high hopes for. 

You are in violation of 15 USC 1692c ( b ) Which states that without prior consent to a consumer, you can not report to a consumer reporting agency. You have been doing that all along which is a felony, and that also results in identity theft. I did not give you consent, and you are still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me { {$1000.00} } per damages to my consumer profile and { {$1000.00} } per violation. So, tell me who gave you the consent to report on my consumer report because it wasn't me?
Consumer complaint received 2024-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Spring Equity LLC (CA)

XX/XX/year>2024 was the initial application for an equity loan thru spring equity mortgage XXXX XXXX XXXX XXXX XXXX. pa. XXXX XXXX. 
8ms later no approval has been made consistent running around by this company and its loan officers. I have all emails and also email that requested for me to pay over {$3000.00} to credit cards to been amount lower and to improve credit score. I did this and still no approval for loan was told underwriter wants this done that done constant request for documents of sensitive personal info and still never received recieved approval of loan. left numerous messages with phones spoke to over 5 loans officers I have there names and emails. I requested to speak to supervisor and supervisor never responded back to me. Because of my lack of knowledge of how the process works and my last name of being XXXX origin i feel this treatment was influence by this and asking for supervisors and told them I was dissatisfied with how this has taken over 8ms and still no letter of denial or approval just constant request of documents and salary information.
Consumer complaint received 2024-10-21
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. (CA)

XXXX XXXX has reduced my credit score by XXXX points and its totally capricious. They cant be allowed to strong arm you like this -/im An excellent customer. Whats going on?
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (IL)

The representative indicated that the creditors reserves the right to increase the APR regardless without reason. However, the reason as stated on the notice does not align with my credit profile nor other credit holders with less ideal credit profiles. This needs to be analyzed to ensure that U.S. Bank is not isolating certain protected classes of borrowers as previously determined.
Consumer complaint received 2024-11-04
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: FC HoldCo LLC (WI)

XXXX unauthorized hard inquiry showed on my XXXX credit report, plus an employer and a phone number XXXX dont recognize. After contacting all three companies showing on my report, we concluded that XXXX XXXX had submitted the hard inquiry with other XXXX lenders. I contacted XXXX XXXX and they did not find an application under my name. After looking into it they realized that they had miss used my social security for another person who supposed name is XXXX XXXX. They answer was it was a system error on our side ''. 
I provided copy of my report with the wrong information and unauthorized inquiries and they said they would work on investigating and removing but that it might take up to 6 months. 
The other XXXX unauthorized inquiries are for lenders : XXXX XXXX and Flagship Credit Acceptance. The employer added is called : XXXX XXXX and the phone number XXXX. Non of this information belongs to me.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. 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.

EXPERIAN 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 2021-01-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AE)

I had regularly scheduled, electronic payments with my mortgage lender ( BSI Financial ). All payments were scheduled for the XXXX of the month for the monthly payment, {$4400.00}, plus an additional {$1300.00} towards the principal. After my XXXX XXXX payment, I contacted BSI ( on or about XXXX XXXX ) regarding split payments to begin on XXXX XXXX to be {$2800.00} XXXX {$2200.00} in principal/interest and {$650.00} in additional principal ). On XXXX XXXX, the draft did not occur. I contacted BSI again and they said I did not specify the day of the week ( not true ) so I re-scheduled the split payment to occur on XXXX XXXX. Again, no draft occurred. I called a third time and was informed that they needed additional paperwork to conduct split payments. I told them I was done with attempting to do split payments as I had begun doing a re-finance due to low interest rates and a lack of confidence in their ability to manage my mortgage. I told them I wanted my full loan payment, plus the additional principal payment, to be drafted on XXXX XXXX and to continue that until my re-finance was complete. On XXXX XXXX, no draft. I contact them again and they push my draft to XXXX XXXX for the full payment plus principal. On XXXX XXXX, they drafted the split payment plus {$650.00} additional principal. I called again and they said they now needed 3 business days to process a change ( website says 2 ) and that is why it only drafted the split payment. I scheduled an immediate draft of the remaining payment plus another {$650.00} in principal but have yet to see it draft. There is no accountability within that office and their customer service is nothing but empty words. I am now at risk of being late on a payment if they do not resolve this issue prior to the XXXX which could affect my re-finance, my credit score, and other factors. In searching the internet, I have seen several other people have issues with this lender, but lenders can sell people 's mortgages to whoever they want and therefore, my mortgage could end up in BSI 's hands again if someone does not intervene to remove them as a credible lender.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ].

I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless and have included my passport for identification purposes. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : [ XXXX XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] transunion [ XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion Inquiries to be removed XXXX XXXX XXXX XXXX Transunion ) XXXX XXXX XXXX ( Transunion ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response.
Consumer complaint received 2024-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

Shellpoint filed a lawsuit on XX/XX/XXXX claiming I defaulted on my Loan on XX/XX/XXXX and all months after claiming I had not render monthly payments for all months subsequence I directly answered summons by providing checks accept and cashed by shell point in the amount of XXXX dollars for the months of XXXX, XX/XX/XXXX and letter from shell point where they returned checks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Shellpoint then claimed that I owed for insurance that they had placed on the building my XXXX unit located in and placed all types additional fees related to them placing shell point owe insurance allegedly onto the Building. I explained that I live in A condominium in XXXX and By Law the XXXX XXXX carries the hazardous insurance policy for the building. Shellpoint then stated well there is no insurance issue but Now I defaulted on Shell point deffered agreement where I agreed to pay XXXX dollars A month. I stated I never agreed to that, Please produce agreement where I signed to those terms. Shellpoint stated that I didn't have to sign any agreement the Federal Government mandated the agreement on to me. I do not believe what Shellpoint is stating the truth I believe I have to sign an agreement to change the terms and amount of monthly payments and be made aware of that by signing agreements my monthly payments would be changed to XXXX a month instead of XXXX. I asked Shellpoint to provide on what date other than date claimed XX/XX/XXXX that I failed to make payments and caused default once again they claim they don't have to show me I produced and showed whole year of XXXX payments also
Consumer complaint received 2024-10-14
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TN)

We purchased GAP  through ALLY which was paid at the dealership at the time of purchase. 

The vehicle was involved in an accident, and totaled out, Working through GAP and ALLY, the dispute was with GAP and ALLY, Gap promised to pay, however, ALLY indicated that the amount ws not correct, As a result, it is still showing that the payment is owed by the consumer ( which is not true ) Each time Ally was called it was stated that they would fix the issue. It has been almost a year now, and not only is the debt incorrect, it continues to report negatively to my credit, adversly impacting my ability to purchase another vehicle and a home. 

Now, it appears that the debt has been sold to a collection agency which should have Never OCCURED.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my Transunion credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (IL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-22
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)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I tried to get my free annual credit report because I have been denied credit a few times in the last few weeks experian refused to cooperate furthermore my report said unscorable which furthers me from getting any kind of credit loans housing etc
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Second Dispute of Unauthorized Late Payment Reporting for XXXX XXXX  Account ( # XXXX ) ** Dear TransUnion, I am writing to formally dispute the late payment entries on my consumer credit report regarding the account XXXX XXXX  ( Account # : XXXX ). On XX/XX/XXXX, I submitted a dispute regarding two late payments recorded for XX/XX/XXXXXXXX  and XX/XX/XXXX, which I can confirm were both paid on time. Unfortunately, despite my request, your agency has failed to provide the necessary documentation to support these claims. Your response of no change needed is unsatisfactory and a clear failure to comply with my lawful request. 

In accordance with 15 U.S. Code 1666b, I am again requesting the following documentation : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least 21 days before the respective payment due date. 
As previously stated, I expect this documentation to be provided as part of your investigation into the accuracy of this information. TransUnion has failed to comply with my initial request, which was in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), case # XXXX, regarding this issue. 

This letter serves as a second attempt to resolve this matter and demands that you conduct a full and thorough investigation into the accuracy of these late payment entries. In accordance with Section 611 of the FCRA, your agency is required to ensure that the information in my credit report is accurate and complete to the maximum possible extent. 

Additionally, the reporting of this information appears to violate 15 U.S. Code 1681b ( 2 ) as it was done without my written permission. I request a copy of the written authorization bearing my wet signature that allowed this reporting. 

Furthermore, I affirm that I did not authorize the reporting of this information to your agency. Therefore, under Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation and written confirmation that you have completed this investigation, including the names of the entities you contacted to verify the accuracy of this information.