davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (SC)

In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXXXXXX XXXX XXXX | account # XXXXXXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX accont # XXXX XXXX XXXX XXXX XXXXXXXX | account # XXXX XXXX XXXX | account # XXXXXXXX XXXX XXXX XXXXXXXX | account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX  | account # XXXX
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: Velocity Portfolio Group (MN)

By law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete.

looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

XXXXXXXX XXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXX on XX/XX/year> about a automobile loan I have paid off, that wasnt reported in bankruptcy as the credit bureau is reporting that the account is listed in bankruptcy the account # XXXX XXXX XXXX I informed XXXXXXXX XXXX the credit bureau are reporting this account as listed in bankruptcy, I spoke to XXXX XXXX employees XXXXXXXX XXXX  XXXX they both informed me that this account wasnt reported as listed in bankruptcy but they refused to send out me a letter to send to the credit bureau so that this error can be corrected
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (OH)

Hello recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00}
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (TX)

lets get straight to it. Im reaching out because there are two accounts on my credit report from XXXX XXXX XXXX ( Accounts XXXX and XXXX ). Let me be clear I have no contract or agreement with them that has my signature. None. XXXX. So, I need these debts to be addressed and removed ASAP. 

Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S. Code 1692g ( b ), I have the right to get proof of these debts. That means XXXX XXXX XXXX needs to show me some real evidence that I owe them anything something with my signature. They sent some papers, but guess what? No signature from me. So heres what I need : A copy of any contract or agreement with my signature that shows I have a deal with XXXX XXXX XXXX for both accounts XXXX and XXXX. 
Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) : Lets talk about 15 U.S. Code 1681b ( a ) ( 3 ). This says a credit reporting agency can only use my report for specific reasons. If XXXX XXXX XXXX cant show I owe them, theyve got no business putting this on my credit report. Its got to be deleted.
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (TX)

Entered into Mortgage XXXX in XX/XX/XXXX with XXXX Mortgage. Instructed to pay XXXX modified XXXX XXXX  monthly payment for 6 months. Compliant with these payments each month. 

In mid XXXX, at end of forbearance, contacted XXXX rep to find out next steps in the process as we were at the end of the forbearance period. I was told to just have my loan modification application in prior to XX/XX/XXXX. At NO TIME was I told I would be reported as 6 months delinquent to the credit bureaus if I wasnt current by XX/XX/XXXX. 

I now have a 6 month delinquency on my credit report even though I followed Chases directions to the letter. Ive attempted to have this resolved with them and their response is it was in the fine print of the documentation I signed in XX/XX/XXXX that my credit may be affected. I feel this is unacceptable. My credit has now dropped from XXXX to XXXX as a result of this with a severe derogatory remark.
Consumer complaint received 2023-09-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Ulta continues to add late fees and interest to account since XX/XX/2023. 
The balance continues to rise just like you allow other companies to do Since to out to destroy my name have fun because it does not bother me let it stay on my name. 
You are not going to help anyway.
Consumer complaint received 2024-06-03
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. (TX)

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 Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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 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 2024-05-30
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: NAVY FEDERAL CREDIT UNION (NY)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-03-13
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: CITIBANK, N.A. (NE)

I paid for my wedding in XXXX on XX/XX/2022 using my Citi credit card. The total was {$8500.00}. Due to a hurricane, the wedding was canceled. The merchant ( Secrets Hotel ) told me the easiest way to initiate the refund would be to dispute the charge with Citi so they could accept and return the funds. I opened separate disputes for the initial {$500.00} deposit and the subsequent {$8500.00} remaining payment. 

The initial response from Citi was to put a conditional credit on my account and ask for documentation. I sent Citi 's dispute department emails from the merchant detailing the dispute acceptance and advising Citi to refund the money. Citi never contacted the merchant, removed the conditional credit, and found me responsible after 2 months. 

I reopened the dispute with Citi. I have continued to call, chat, and email their department with no real response. The merchant advised me that they were contacted about the {$500.00} initial charge and approved it, but that dispute is still sitting open, as well. They still have not been contacted about the {$8500.00} dispute, despite the fact that it has been open for 4 months now and I have had to pay the balance. 

When I speak to anyone ( phone number for disputes, chat, email, etc. ), the standard response that they are reviewing the information and will reach out to me in 7-10 days is all I get. I am so confused as to what they could possibly need and what action is actually being taken. They have emails from the merchant asking them to refund the funds and they still have not even contacted them regarding the larger amount. As for the smaller amount, the merchant has approved after being contacted but the money still has not been returned to me and the dispute sits open. This is over {$9000.00} of my money that Citi is holding on to, with no real way to get in contact or escalate to someone who can take action beyond the standard " wait longer '' response. The standard guidelines for disputes are in place for a reason, and Citibank is in clear violation of them in both of these cases.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

Didn't receive enough information to verify the debt Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b ( 2 ). Company has also NO Permission to REPORT ANYTHING using my info pursuant to 15 USC 1681 4
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

On XX/XX/2023 I submitted a complaint identified as XXXX. Pursuant to FCRA 609 ( e ), I am entitled to a copy of the documents submitted using my personal information. I have made multiple requests for this documentation. To date, XXXX2023, I have not received the documents. I demand a copy of the documents so that I may mitigate future attempts of unauthorized use of my personal information.
Consumer complaint received 2023-03-10
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. (NC)

On XXXX of XXXX I missed a pay payment on my XXXX XXXX account. I called the company to see if it could be removed due to being out of work from having XXXXXXXX XXXX XXXX XXXXXXXX in my XXXX XXXX on XX/XX/XXXX. THEY WOULD NOT REMOVE THIS FROM MY CREDIT REPORT. In accordance with the fair credit reporting act this creditor has violating my rights under 15 USC 1681 Sec 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2024-05-29
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. (GA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit Health.
Consumer complaint received 2023-09-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Account # XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX XX/XX/2023, XXXX XX/XX/2023 violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to 15 USC 1666b 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.
Consumer complaint received 2024-06-03
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: EQUIFAX, INC. (NY)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 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 2024-05-29
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: Experian Information Solutions Inc. (TX)

You are in violation for reporting the wrong balance for the account XXXX XXXX XXXX. Furthermore, the alleged debt is uncollectible since the statute of limitations is 4 years in the state of Texas. Please see the company 's response showing that the true balance was {$94.00}. You are reporting an additional {$100.00} on this account, and I can sue your company for negligence and false reporting. This account is to be removed within 7 business days. XXXX has already deleted this inaccurate account.
Consumer complaint received 2024-05-30
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. (IL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

XX/XX/XXXX and XXXX  a via fax was sent to Ocwen/PHS Mortgage for a payoff to close on XXXX XXXX.Unfortunally, XXXX XXXX XXXX XXXX  company never received it. So, I contacted the customer serv. dept. on XXXX, XXXX was told by a rep. I would received the payoff with in three hours. Three hours passed then called again spoke with XXXX, told me I should receive the payoff the next day in the morning around XXXX. On XX/XX/XXXX, I called since I did not receive the payoff then spoke with XXXX she told me that I should receive it later that afternoon, this continue all day. On XXXX, XXXX was told sometime that day I should receive the payoff. Now, here I am on XX/XX/XXXX I called around XXXX XXXX was told that the reason for the delay was the loan modification that was done XX/XX/XXXX. So, I have gotten every excuse from the loan modification ( XXXX ), company 's merging, the holiday, the payoff department are just behind, and it just takes time. I have e-mailed them four times letting them know my request and concern. XXXX XXXX XXXX XXXXXXXX has faxed and attempted to contacted them but with out my consent they refuse to talk to them witch I have sent faxes giving consent and I also have given verbal consent. My buyer will walk away if I do not get a payoff. I don't understand what is taking them so long. I need to make my voice herd. thank you
Consumer complaint received 2024-06-04
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. (OH)

Hello, recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy. 

Here is the item Im asking you to verify as accurate. 

XXXX
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

XX/XX/XXXX - Mortgage company ( Shellpoint ) refigured my Escrow Accrual XX/XX/XXXX - Shellpoint sent a letter stating that I would be getting a $ XXXX check for overpaying but that my XXXX analysis showed a shortfall so they would be changing my monthly escrow payment from XXXX to XXXX, which immediately seemed incorrect ** Completed my own analysis and discovered they were mistakenly showing my annual hazard insurance as a monthly charge, therefore over charging me** XX/XX/XXXX - I called Shellpoint, they said it was due to my taxes and it was correct, walked them through the analysis and they agreed it was ultimately it was incorrect and I was told they would ask for the escrow analysis to be redone but that I should submit an email to XXXX also, I submitted that email XX/XX/XXXX detailing the issue and asking for a corrective action XX/XX/XXXX - Shellpoint took another payment at the incorrect amount XX/XX/XXXX - Called and spoke to another representative who also agreed it was incorrect, he said it wasn't elevated as an issue in the system but that he would elevate it XX/XX/XXXX - Checked my online file they still have not rerun the mortgage analysis, to date they owe me {$5400.00} in over accrued escrow funds and appear to be making no effort to resolve the issue.
Consumer complaint received 2023-03-13
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. (TN)

XXXX XXXX was able to fix the non reporting of my mortgage on XXXX and XXXX only. Currently Equifax still is not reporting my mortgage and this needs to be fixed quickly since my score has dropped due to this issue. Please help assist in assuring Equifax properly reports my mortgage.