davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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 sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

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 2022-06-14
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (NJ)

Complete Credit Solutions reported to XXXX, and XXXX a debt of {$1200.00} is owed by me. I don't owed the debt. Complete Credit Solutions failed to contact me in regards to the alleged debt prior to putting it on my credit file. It failed to follow the guidelines outlined in the Fair Credit reporting act. As such, it is requested that the item is deleted from my credit files.
Consumer complaint received 2024-11-19
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. (GA)

I just received a promotion and relocation from job. I never paid attention or was knowledgeable of credit. Upon looking into my building my credit i seen four accounts that i am not aware of ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

" 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 ( XXXX ) 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 2022-06-14
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-13
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. (MO)

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 use 1681. 

XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc (FL)

I was told by my employer that I could no longer work for them because of my background check. I have worked for them for 5 years and now I cant. I have no clue why. They wont give a copy of the report
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (CO)

American Express has horrible billing practices. They purposefully delay the payments made to make it look like you owe more than you actually do on your bill. For a statement that runs XX/XX/XXXX - XX/XX/XXXX, and has charges of {$450.00} + {$300.00} on XX/XX/XXXX, and offsetting payments on XX/XX/XXXX of {$450.00} + {$300.00}, I should not have a bill saying I owe money for this.
Consumer complaint received 2022-06-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MD)

This complaint concerns serious violations of the Real Estate Settlement Procedures Act ( RESPA ). Although there are numerous violations under RESPA by more than one lender, I will direct this complanit to the most severe of the violators, PHH Mortgage Company! 
PHH Mortgage, who was our original lender when we purchased our home, has committed acts of mortgage fraud concerning our mortgage loan ( s ). PHH Mortgage has committed these violation without our knowledge and or consent. If you review the attached HUD-1 Settlement Statement ( s ) you will see that the statements are without our signatures on them. However, the figure on the statements that claimed PHH Mortgage gave " CASH TO BORROWER '' in the amount of {$35000.00} in a refinance transaction in XX/XX/XXXX, and again gave " CASH TO BORRWER '' in the amount of {$11000.00} in XX/XX/XXXX. Both of these statement are false/fraudulent statements because we never received any funds from these purported refinance transactions. In addition, we were not aware of the outrageous refinance fees totaling {$60000.00} in XX/XX/XXXX, and fees totaling {$16000.00} in XX/XX/XXXX. 
This is a classical case of lender stealing homeowner 's EQUITY using ficticious figures to swindle homeowners. The evidence concerning these allegations are in the attachments to this complaint. ( See Mortgage History, and excerpt of Securitization Audit ), and ( See HUD-1 Settlement Statements ).
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 2022-06-15
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: Experian Information Solutions Inc. (IL)

According to XXXX XXXX on, XX/XX/2022 has violated my rights. The dispute been on my credit since XX/XX/2022. 15 U.S.C 1681 section 602 8 states that I have full rights to privacy.
Consumer complaint received 2022-06-15
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (PA)

I have requested a goodwill adjustment from my mortgage company so they can remove late payment status on my credit reports. On my XXXX, XXXX, and XXXX credit reports I am showing late payment status ' for the periods : XX/XX/XXXX and XX/XX/XXXX. I have sent letters and faxes all on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In each letter, the response from the mortgage company has been " they will get back to me shortly ''. But I never receive a follow-up from anyone at the mortgage company which is why I continue to send a letter and a fax each month. 

I have been in good standing and making my mortgage payments on time since XX/XX/XXXX.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (CA)

This is shocking and distressing, my credit report has been accessed and improperly used as applications were done in my name and these companies pulled up my credit report without my consent nor authorization. I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Consumer complaint received 2022-06-15
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: LEXISNEXIS (OH)

I am challenging the validity of bankruptcies being reported on my credit report to all three bureaus. It is to my knowledge I did not authorize any information to be released for any purposes and I would like full documentation and verification that these bankruptcies belong to me as I have gone to the court, and they informed that no such information is released. Furthermore, there is freezes on my account.
Consumer complaint received 2022-06-15
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. (GA)

The Credit Bureaus Trans Union and XXXX stated my account was properly investigated but how is that possible when the open dates are inaccurate, the dates last active are inaccurate, and date last reported is not accurate. This is grounds for removal. TransUnion, XXXX, XXXX, and XXXX have all violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish account without my written instructions. 3. Violation of FCRA 623 ( a ) ( 5 ) did NOT validate information with original creditor. 

These are the tracking numbers USPS TransUnion- XXXX Results # XXXX XXXX XXXX XXXX XXXX refused delivery XXXX XXXX Results # XXXX
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (TN)

I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy. 


Violations : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account # unknown
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Safe rent has sent me a report of my consumer credit report which shows inaccurate residential addresses on my credit profile that has already been addressed and resolved with the major credit bureaus. Safe rent credit profile has pulled residential information from XXXX that is not correct/accurate that should not be listed.
Consumer complaint received 2024-11-19
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. (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. 

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 2016-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (NY)

We have decided after paying off my husbands student loans to make extra payments on mine to pay them off quickly with less interest. We went on the mygreatlakes.org website to pay a {$400.00} extra payment. My husband noticed pretty quickly that the website was not set up in a way to find " important '' repayment information. He tried to find out what my different loan interest rates were and I said, " no it is just XXXX loan ''. He has had more experience with these matters and informed me that there were actually several loans which would have different interest rates. He could not find them so he used the search function entering " my interest rate '' ... which did not lead to the interest rate. Now he was irritated and motivated to find them, which he did finally find them under a tab that was titled " Student Loan obligation Statement ''. With that completed we went on to make our extra payment on the highest interest rate loan. After going through the entire online payment process he realized it did not allude to nor give an option to pay the loans separately nor identify any of the interest rates. Frustrated he called them and asked how he would go about paying on XXXX loan? We were informed that you can not do it online ; we have been in other online websites for student loans which all show interest rates and give the option to apply your extra payment as you see fit. To apply the payment to a specific loan we had to call in and ask them to do such. Then he asked for email confirmation that this conversation had taken place and they were going to apply the money as requested. She said no we ca n't give you any confirmation you will have to call back in a couple of days to find out if it was done ... unreal. Another item to think about is that if you make any payment, although their website states how it is applies, there is no way to confirm or verify what was done with your money. There is no history or tracking of monies applied only monies paid ; talk about a lack of accountability to the customer. I am afraid that mistakes happen and errors can be made ... we, the account holders, should have full disclosure of all MONIES paid and how they are applied rather than a payment. 
My husband has the knowledge to see these things, but most I would say, including myself, do not. It would be nothing for this company to take advantage of us since there is literally no way to see or dispute anything they do. At best this is poor design, management, and oversight ... at worst this could be criminal. We have pics of the sight to show our claims if needed.
Consumer complaint received 2016-07-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (VA)

After a relatively smooth mortgage application process, the mortgage processors have been TERRIBLE. The first two service agents I was assigned have left the company, and I was not notified that no one was processing my application. I have been unable to get in contact with any processors to discuss my loan status, and the closing date is supposed to be in two days. Despite numerous phone calls over the past two weeks, prompt responses to all requests for information ( even duplicate requests ), I have not had any information from TD Bank. I have requested to talk to supervisors, or have someone contact me, but no one has made contact.
Consumer complaint received 2016-08-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastern Asset Services LLC (NY)

XXXX from Eastern Asset Serv called my husbands Ex wife of 20+ years and told her all of our account information including the amount of the debt. We have no affilitation with my husbands ex wife and this debt collector told her everything.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (AZ)

I have XXXX credit card accounts. Approx. 8 months ago is first attempted to set up automatic payments for the 28 day of each month and was repeatedly advised the automatic payments had been scheduled for all future months. After many instances on non-payment, I went to the local branch on XXXX/XXXX/2016 and faxed the appropriate form, as instructed when I called to complain, once again. I waited to make sure the fax was sent from the branch to the appropriate department and was, once again, assured I had no need to worry about my future account billings. Yesterday, once gain, Chase did not pay the XXXX cards from my checking account automatically. When I received nonpayment notification, this morning, I called and immediately made the payments for all XXXX of my accounts. Once again, they charged me {$37.00} late payment fees on XXXX of the accounts. I 'm entitled a refund of the erroneously charged late fees. And, Chase should be penalized by CFPB, for their inappropriate billing policies!
Consumer complaint received 2015-09-25
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (VA)

In process of obtaining a mortgage loan, there were errors on the credit report that was obtained. We filed for bankruptcy XX/XX/XXXX and bankruptcy was discharged XX/XX/XXXX. After the bankruptcy, the credit report was obtained. The first error ; was on the XXXX mortgage stated ; foreclosure proceeding started XX/XX/XXXX ; conventional real estate loan, including purchase money first. The second error was on the XXXX mortgage, stating charged off ; XXXX mortgage. Both were filed with the bankruptcy chapter XXXX. The third error was a judgment that has a status that was NO SATISFIED, that was also filed under bankruptcy chapter XXXX.