davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (MS)

I have spoke with experian since XXXX  about the same inaccurate debt they refused to validate according to the recorded call XXXX and a previous credit specialist for experian rent bureaur failed to validated the debt from XXXX. XXXXXXXX XXXX XXXXXXXX on my rent profile. They also stated they only received a reply and denies a metro compliance investigation into the validation of the debt. It has been several years of back and forth with this dispute where my consumer rights have been continually including the uniformed service codes the protects me against such negligence. They have removed this from my credit file but refuse to remove this inaccuracy from my rental history. this has been listed on my credit pas the statute of limitations and I demand correction and them to be held accountable.
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (OH)

Rather than paying my mortgage once a month, I'm attempting to pay a partial payment every two weeks. With this process, every monthly payment would be paid in full and on time. This process benefits me in that by the end of a year, I'll have paid one extra payment, paying down my loan faster. It additionally decreases interest faster. 

The company, Midland Mortgage, however will not allow me to make partial payments via phone or their website. They only allow me to mail a payment ( no one uses checks anymore ) and even then it will be put in an 'unapplied funds ' account, therefore eliminating the benefits to me listed above. 

Making this process difficult benefits them and hinders me, the customer, from getting ahead financially.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX OF XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-21
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. (SC)

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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2023-04-21
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: CITIBANK, N.A. (CT)

This dispute with Citibank has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as Citi suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple Citibank 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. Ciitbank refuses to stand behind a multitude of their trained staff. 

As of recent, the Citi 's Executive Response Unit has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of 6 including XXXX XXXX children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing Citibank for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.
Consumer complaint received 2024-09-04
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX  XXXX XXXX
Consumer complaint received 2023-04-21
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. (TX)

In accordance with the Fair Credit Reporting Act, 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 have violated my rights.

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I opened XXXX which was closed by CFPB. I am opening a new case and attaching the data. I have already shared the password with Bank of America. When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. On Tuesday, XX/XX/2023, XXXX XXXX  PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX  cent deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. If there is market manipulation in XXXX or USA or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds. If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that. To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case. Bank of America has closed the case the CFPB case XXXX again on XXXX XXXX without any detailed response. So I am logging a new case. They have mentioned that they haven't provided complete details to protect my privacy and they have sent it by postal mail. I request that the company investigate and keep the case open until I receive detailed resolution.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio (MI)

XXXX XXXX at address XXXX XXXX XXXX never opened up a XXXX  account. I have been a resident at this address for XXXX years. This account was opened unauthorized by me. I filed fraud and submitted a police report regarding this account and it was removed from my credit. It reappeared in 2022 out of nowhere. Remove this item from my credit.
Consumer complaint received 2023-04-21
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. (CA)

I am filing this complaint to TransUnion I sent them communication letters regarding the errors and inaccurate information in my report such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (ID)

On XX/XX/XXXX I submitted a claim to Equifax to dispute some items. I called XX/XX/XXXX to request the remove disputed items and close the case as it was over 30 days. Today is XX/XX/XXXX, past 60 days and they still have the dispute open. They said it can be longer than 30days as they reached out, this is past law time period. They need to close the dispute and remove ALL items in dispute as its last 60 days and can not use any information gathered as its far past the due date. 
Dispute # XXXX
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (AZ)

In XX/XX/ XXXX after filing our income taxes with XXXX XXXX, our refund was deposited into a XXXX  account offered by XXXX XXXX  and serviced by Netspend. On XX/XX/XXXX  ; my XXXX account was closed by Netspend due to alleged fraudulent activity on another Netspend account that I never authorized or opened. A refund of {$1000.00} was supposed to have been sent to me by XX/XX/. Apparently it was never mailed out. I called on XX/XX/ and verified my address and information and was told I should receive it by XX/XX/XXXX. As of XXXX XXXX XXXX  ; I have not received my money or an explanation for the reason why my account was closed.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (CA)

I recently reached out to Equifax on XX/XX/2023 by sending a letter via certified mail and asked them to verify each specific entry. I also asked that within the response that they include the original documents with a signature legally binding me to this agreement which in response no more than 14 days. 

I was sent a letter via email stating this debt was validated but received no method of verification or documentation with a signature. To my knowledge, I was assured that there was communication between this credit bureau and this company to validate this debt according to the FCRA law. 

I reached out to the XXXX  to make a complaint about this account, I received a response from XXXX XXXX  they stated in their response letter this complaint is the ONLY COMMUNICATION we have received on behalf of this account. if Equifax properly investigated this account and the validation, how is it that this company is saying that my complaint is the only communication received on behalf of this account. This was not my first time disputing this account. This makes me question the accuracy of the validation of the other accounts validated.This is grounds for removal and my rights were violated under 15 U.S.C 1681 Section 604 A section 2 ACCOUNTS IN QUESTION : XXXX XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX ( XXXX )
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, 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. (MI)

IT IS CLOSE TO IMPOSSIBLE to get a live agent on the phone or transferred to the fraud department. I have spent XXXX hours on the phone calling multiple numbers and speaking to an automated service in order to get to an agent in the fraud department ( I assume ). I am on high alert as NEW UNAUTHORIZED INQUIRY alerts from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and other credit monitoring services have all alerted the new inquiries are now on my TransUnion profile. 

By 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 has violated my rights : XXXX. XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XX/XX/2023 According to 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

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 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. 

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-04-21
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. (GA)

i was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (CA)

I closed this bank account in XXXX after the former bank, XXXX XXXX, was acquired by Axos Bank. I recently discovered that I was a victim of a fraud in connection with a payment that I made from this bank account in XX/XX/XXXX. I have tried contacting Axos Bank to obtain a copy of my XXXX and XX/XX/XXXX bank statements and Axos told me they can not provide these bank statements due to their age. My understanding is that banks must retain such records for at least five years.
Consumer complaint received 2023-04-21
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. (CO)

PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear XXXX, TransUnion, and XXXX The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

4 ) Violation 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 1692k states that I'm entitled to {$1000.00} per violation.

5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal.

According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

XXXX, Transunion, and XXXX are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

I was contacted by XXXX XXXX by text message. I thought that the reason for the contact was to facilitate the sale of my loan from Great Lakes to Nelnet services which I was previously contacted about by Great Lakes. The person XXXX XXXX asked me questions to fill out a form to mail to Nelnet. This form contained the charging of a fee of {$290.00} dollars by electronic automatic debit and auto-payment of my Student Loan of {$49.00} dollars a month for the duration of the loan which was emailed to me when completed. I was to create a hard copy and mail it to Nelnet which I did. The next day I received from FSA an email entitled " Suspicious Activity on Your Student Loan Account ". Upon getting this email I called Nelnet to find out what the consequences of the application I sent to them was. They told me on the phone that the application was received and rejected because it was " incomplete ''. I directed them to void it and put a note on my account to reject any other contact with the company XXXX XXXX. I also called FSA to find out if any information was requested to be changed or new loans created on their end. Thankfully nothing was changed. They told me that the password was changed and for me to change it to something that only I knew because XXXX XXXX most likely still knew it.