davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I believe XXXX not only falsely reported a chargeback to the credit bureau but as well as violated my consumer laws right chapter 15 U.S. Code 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION TO OPT OUT ( b ) of said reporting of Personel information to non affiliated third parties. 
They did not exercise part ( b ) and part ( c ) neither the option of letting the consumer make the decision of third party reporting as well as letting consumer know the options to not disclose personal information. and I XXXX XXXX opt out of said non affiliated third party reports. Never authorized to it in beginning
Consumer complaint received 2023-08-17
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. (DC)

This is my six 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX Bank 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NJ)

I have disputed this account several times with the credit reporting agency. 
XXXX is the only credit reporting agency that still has this account documented. 
my credit report is supposed to be fair & equitable to me as a consumer, this account Is listed as a charge off and has been written of but still shows a past due balance and amount owed. NOTATIONS DO NOT INDICATE THE BALANCED OWED IS XXXX Section 623 ( a ) ( 5 ) of the FCRA STATES THAT A CONSUMER AGENCY SHALL NOT REPORT ANY ACCOUNT THAT REFLECTS A CHARGE OFF. 

THE CREDITOR HAS SOLD THE DEBT TO A COLLECTION AGENCY.I DO NOT HAVE A BINDING AGREEMENT WITH THIS AGENCY.A CHARGE OF ACCOUNT CAN ONLY STAY ON THE REPORT FOR SEVEN YEARS FROM THE FIRST MISSED OR LATE PAYMENT WHICH WAS LISTED AS XXXX XXXX.EVERYTIME THIS ACCOUNT WAS DISPUTED INFORMATIONNWAS ALTRED.ONLY XXXX HAS FAILED TO VERIFY THIS INFORMATION CORRECTLY
Consumer complaint received 2023-08-14
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. (VA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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.

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.

These inaccuracies are stopping me from buying a new home.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

Beginning on or about XX/XX/23, I started receiving phone calls from TD Bank at ( XXXX ) XXXX. On XX/XX/23, I was informed that TD Bank 's collection department was attempting to collect a debt the bank incurred due to TD Bank failing to verify Thief 's identity. Upon inquiry, I was informed that Thief stole my identity and opened a credit card account to purchase a XXXX XXXX. TD Bank refused to provide me with the address where Thief applied for the account. On or about XX/XX/23, I contacted TD Customer Service and was transferred to the Dispute Collection department. I was placed on hold for about 10 minutes and was subsequently disconnected.
Consumer complaint received 2018-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS RELIABLE LENDING LLC (TX)

Realtor, mortgage company and title have a duty to make sure that clients are being taken care of in a professional and expeditious manner. All and all though the paperwork process income state was communicated to multiple parties/ originators ( XXXX XXXX ) whom advised that such would not hinder the proceedings. With that being said, I don't think my file was treated with diligence and my best interest at heart. An appraisal was ordered on the property without the file being submitted to underwriting, so I'm out {$570.00} for an appraisal along with my option and inspection with no house to show for it. Then for me to finally get to the proposed day of closing per contract, only to find out that the deed is not dated within the time period for Texas state law, this should have been discovered a long time ago. At the end of it all, I have every party involved arguing through email and playing the blame game in which no one wants to take responsibility. So what am I to do when I have professionals working on my behalf who have " dropped the ball ''. 

Honestly do not think buyer was represented well. This miscommunication of vital information is undesirable. For Buyer to be working on paperwork for this property since XX/XX/XXXX and now XX/XX/XXXX a fault is being noticed is obnoxious. 

Then the representative XXXX XXXX XXXX will not accept the fault of XXXX XXXX finding the error that the deed was not sign until XX/XX/XXXX and submitted XX/XX/XXXX until the proposed day of closing XX/XX/XXXX which was never communicated to buyer. 

Staff is not on the same page and sells dreams and misleading information
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given written, unwritten, verbal and non verbal per 15 USC 6802. This is immediately and indefinitely.I have reached out to all 3 credit bureaus two weeks prior to my completing this CFPB complaint. According to 15 USC 1681 inaccurate reporting ( a ) Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 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. I have even had customer support help me via Chat and I have the transcripts as well to upload as evidence. Also 15 USC 1681 ( b ) also states 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation.
Consumer complaint received 2024-08-18
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-01-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

in accordance with Fair Credit Reporting 609, the list of account below has violated XXXX XXXX ACCOUNT NUMBER # XXXX it a charge-off but they reported it as a collection. 
XXXX XXXX XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXXXXXX an inaccurate reporting date. 
XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX it's a collection but they reported it as a charge-off to. 

Also the credit bureau took more than 30 days to complete my investigation.
Consumer complaint received 2018-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

I feel behind on my mortgage trying to keep up with my Bankruptcy payments.

I received a demand for payment and contacted the loan servicer, FAYE SERVICES.

I was told that I needed {$13000.00} to reinstate my Mortgage. I contacted my lender and told them that I only had {$10000.00}.

I was told to complete the Borrowers Assistance Form if unable to reinstate my Mortgage.

I was told that my Borrowers Assistance Form was incomplete because I needed to provide proof of hazard insurance coverage and sign the Borrowers Assistance Form. I signed the form and the forced hazard Insurance was put in place by the lender, FAYE Servicing, as forced hazard insurance had been in place for the last 8 years.

I contacted Faye Servicing about obtaining the documentation of the forced hazard insurance and no assistance was provided. Even though Faye Service was listed on the Insurance Declaration Statement. This resulted in again my form not being processed and purposefully holding up the process to ensure foreclosure proceedings. As processing of the Borrowers Assistance Form would have clearly indicated what provided full preservation of my rights and determined my eligibility for assistance.

Faye Services ensures foreclosure by failing to process my Borrower 's Assistance Form even though all necessary documentation was in their possession. As the forces hazard insurance information was accessible to Faye Servicing as they were listed on the Insurance Declaration Page for months prior to requesting it. 

I started completing the Borrowers Assistance Form that listed a whole host of documents not previously requested, for the third time with a due date of XX/XX/2018 and I received foreclosure documents on XX/XX/2018.

I am now facing additional fees because Faye Servicing failed to provide me with any protections provided to mortgage lenders by law.

Faye Servicing also failed to keep me informed about critical information about the process of applying for foreclosure relief.
Consumer complaint received 2018-06-23
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. (AZ)

I called Equifax after its security breach to procure good security for my credit account. I asked where he was from and he said the XXXX. I was speaking with a person from the XXXX XXXX about MY Account! He said he was an Equifax Rep. I learned that XXXX has the same practice.

What are these agencies doing allowing foreigners to see American 's credit information? I want it stopped ASAP. I asked my Congressman, Rep. XXXX XXXX, Arizona, to look into it. I never heard back. That was several months ago.
Consumer complaint received 2018-06-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

It appears that Seterus may be using a delay tactic to provide a mortgage loan borrower potential assistance or information she is legally entitled to in a timely manner.

Seterus Correspondence Response Team is sending written correspondence to a Legal Aid 's Executive Director about a mortgage loan he never inquired about. One of the Legal Aid 's staff member represented the borrower on said mortgage loan in the past. The Executive Director was never part of the services provided to said borrower. 

Per the XX/XX/XXXX correspondence, Seterus records indicated that the Legal Aid currently represents mortgage loan borrower and Seterus did not have the authorization to communicate directly with the borrower. They further went on to confirm that the correspondences the Executive Director had received were not sent in error.

The Legal Aid 's staff member that assisted the borrower sent written correspondence to Seterus on XX/XX/XXXX confirming they were no longer representing the borrower. She requested that all future correspondence was addressed to the borrower. On XX/XX/XXXX she sent a second written correspondence to Seterus, which included Seterus internal Third Party Authorization form so their staff could proceed communication with borrower and her daughter who had Power of Attorney.
Consumer complaint received 2023-08-14
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: DISCOVER BANK (CA)

My name is XXXX XXXX, I've called Discover five times now with no headway made on my case at all. The first of these calls began a day or so after I noticed these fraudulent purchases, all the way back at the end of XX/XX/2023. Only one of the purchases that was made on my stolen card was refunded ( a stop at a gas station ) however they are refusing to refund the other ( more expensive ) purchases. I thought this was gon na be resolved the third time I called when a woman tried really hard to figure out why I didn't receive a refund already. Sadly, it still hasn't and after my last two calls they have continued to state that I'll have to pay for these charges or that it was already taken care of ; however, my credit card billing statement reflects otherwise. Each call I made they stated five times that I would receive a call back from a supervisor and I haven't received a single call back or email about my case.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NY)

I have a Fidelity credit card that I used for everything and I always pay my bills on time. I paid beyond the minimum balance that was due. In my XXXX bill, Fidelity charges me a late fee of {$30.00}. I was very ill and was in the hospital for a few days. When I got out, I tried to get up on all my bills, but fidelity do want to hear the reason why my payment was one day late, just one day. I called to explain to Fidelity and ask for the late fee to be removed, I was told over and over there is nothing they can do. 

I believe it unfair for a credit card to charge a late fee when a customer is very ill, I did not refuse to pay the bill, I paid it with extra on it but I am only asking Fedility for the late fee to be waived. 

I am having some economic hardship and I still am making my full every month. 
Wavie a late fee of XXXX will not send Fidelity into bankruptcy.
Consumer complaint received 2018-06-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2018 Mohela XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account number XXXX XXXX XXXX Dear Mohela, I am responding to your contact about a debt you are attempting to collect and to request you provide validation the debt is legitimate. You contacted me several times by phone, and dinged my credit 27 times even after I already told you its already paid ; to stop calling me, and only communicate by mail.

Please stop all communication with me and with this address about this debt.

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

If you have notified the credit reporting agencies of this debt you must notify them promptly that I have disputed the validity of this debt.

I have previously notified you in writing within the 30-day period and requested you cease collection of the debt, or any disputed portion thereof, until you can verify the debt and provide me, by first class mail. However, you failed to identify chain of title simply sent a copy of a statement. I need the following materials in accordance with but not limited to : UCC 9-406 ( 810 ilcs 9-406 ), 735 ILCS 5/2-403,735 ILCS 5/2-606.

All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and Copies of any assignments that explain how you acquired title to this debt.

Information regarding any discharges/set offs.

Information regarding : what numbers you used to call me at XXXX, frequency, and the call logs. 

Thank you for your cooperation. Sincerely, XXXX XXXX