davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2022-01-11
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 — Was not notified of investigation status or results
Company: Shellpoint Partners, LLC (DC)

On XX/XX/2021 I sent a letter to the XXXX XXXX department for Shell Point Mortgage regarding inaccurate items on my credit report regarding my payment history. It has now been 75 days and I have yet to receive a response back regarding the update of payment history with this company. This has caused me so much distress, because I am unable to apply for new credit with a " 60-Day Late '' status on a Mortgage account, as this is highly frowned upon. I demand that these accounts be quickly brought current.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (PA)

I had a due date on XX/XX/XXXX. I logged on to the American First Finance Website on that date, and it showed that my next payment was not due until XX/XX/XXXX. 

I then received a call on Monday, XX/XX/XXXX, advising me that I was past due. I advised of the issue with the website, and the representative told me that the website shows the next due date if the payment is not paid before the due date. I advised this was confusing but the representative stated this is the way the system works and can not be changed. Following this, I advised that I would make a payment on their website, and finished the call. 

The same day and within the next 7 days, American First Finance has been contacting me in violation of the FDCPA. I had some unexpected medical expenses come up and could not make the payment until this week. The company has continually called in violation of the FDCPA, as they can not call me within 7 days after speaking with me. On the first subsequent call, I advised the rep of this, and he stated that they will continue to call until the payment has been made. I have received 13 calls in violation of FDCPA, because I last spoke with a representative on XX/XX/XXXX.
Consumer complaint received 2024-05-01
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 recently updated my personal information IE residential aaddress, phone number, angry the accounts with two of the three credit bureau agencies Experian and XXXX. Because I recently wanted to get a store credit card to obtain furniture and appliances for a newly purchased home in XXXX Georgia and it keep getting denied I have great credit XXXX. To the fact that there have been queries many by me by mistake because I didn't understand the online process very well I'm in my XXXX. Still need to obtain store credit card to purchase appliances I want my credit profile fixed
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CO)

My monthly payments changed. When comparing the prior payment and current payment there was a difference of between {$2600.00} and {$2.00}. Since I have a fixed interest rate the difference should be escrowed items. So I made a one time escrow payment that went through today ( XX/XX/2024 ) for {$2700.00}. I called Security Service Federal Credi Union Mortgage to get them to readjust my payment so the existing payment should still be enough and the extra principal of {$180.00} would still happen. I was told tonight by two different reps ( the second being XXXX from issue resolution team ). Both said the shortfall in escrow was only {$400.00} and some dollars and even though I made a specific {$2700.00} payment to escrow today they could not adjust the new payment and I would still be billed the escrow shortfall because they have a contract that requires them to pull from the payment and now the {$2200.00} I was paying and {$180.00} per month extra principal would not only not have any extra principal applied but each month my payment will be short {$31.00} unless I increase my monthly payment. The math does not add up and I want a deep dive into payment applications from inception and I wonder how they can not have RESPA violations given this scenario. I am perplexed and not happy that they seem to not know how to apply extra escrow and extra principal payments such that they have an extra {$2700.00} and now my monthly payments have increased {$31.00} and they say the escrow shortage is less than {$500.00}. And now my payments wont give extra principal payments. Would appreciate you investigating this. My mortgage loan account number at SSFCU is XXXX. Thank you!
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SECURITY FINANCE CORP (TX)

There seems to be an account on my credit report from Security Finance listed as a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. The following account was written off, yet you are still reporting a balance for account XXXX. This is a clear violation of the FCRA. I demand you to remove this item from my credit report. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. I was directed to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Consumer complaint received 2023-08-04
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. (FL)

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 USC1681. 
these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-01
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (NJ)

There was an issue a while back where my taxes were we're being paid to the wrong address and once it was corrected they had to pay a lump sum to the county clerk to pay up all that they owed. However the problem was they had already paid out some for that year so it pushed my escrow account into the negative which increased my monthly payments by a large amount. I was able to reach out and have them look into the issue and realize that they had sent out a payment for the returned funds from the incorrect tax payments and that had never gotten to me so they were able to stop payment on that check and apply that payment to my escrow account to bring it back up however they still were never able to get my payments back to the original amount it was beforehand. I have told them numerous times the reason I believe that this is the issue is because there is an extra payment that was made last year besides for the total taxes that were paid and when I look at my account it says the total taxes that were paid out were around {$950.00} over what my taxes were for the year. ( My account shows that for the year XXXX taxes were paid at the amount of {$4300.00} when in reality the tax bill was about {$3400.00} and for reference for the year XXXX even after taxes have gone up about {$100.00} or so the only paid {$3500.00} ) They can not seem to figure out where that payment is and why my monthly mortgage payment is still higher ( I was told at the time that the escrow analysis was made after refunding that payment to my escrow that there still is a slight deficiency even though it's not in the negative but it should have a cushion and until I add enough to the escrow I'll be paying slightly higher payment monthly however if all the payments made to taxes were correct and all the extra money was refunded to the right people my payment shouldn't have gone up )
Consumer complaint received 2023-12-22
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MI)

My credit card account with Target has been locked for 2 months ( that I know of ) and no one seems to know why. I do not have a balance on the card and I am not late with payments. I was told to contact the 3 credit bureaus to have them life a fraud alert, so I called and only 1 had an alert and has lifted it but my card is still locked and not usable. I called Target back to let them know and they told me that there is nothing they can do on their end. I like shopping at Target with my card and getting the benefits from it but I'm going to close my account if I can not use it. Can you help?
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

At the present time i have read that you can request a free report from each bureau every week.Yet everytime i go on the annual credit report website sometimes i can get one from experian and sometimes says i already have gotten it even though i had not.Then when i go to the next bureau it says i already have them all.Also when i try and login on their website experian mixes up my user name and email with my wifes and i spend hours trying to reset my password and its just in a circle.I had my info lost in the att data breach and i am supposed to get experians id service for free i got registered but can not access my account for the reasons i just mentioned, you can not get through to them on the phone spent a couple hours todayThese people should not be in charge of important consumer info like credit information.I am XXXX and they have never gotten any better to deal with since i was XXXX
Consumer complaint received 2023-10-28
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NEW YORK COMMUNITY BANCORP INC (ND)

I have tried working with flagstar bank to resolve several problems and they have yet to do so. First issue at hand is the incorrect last name they have. My loan was transfer to them and they did not correct my last name. I have sent them my marriage certificate, social security card, driver license, copy of a piece of mail and yet they have refused to update my last name. Legally making it impossible to sign any documents. When I contacted them about this issue they place me on hold and no wants to resolve it. I have sent them these request documents in email, mail and even uploaded it to them and yet each time I call the representative always say maam I apologize this was not the way to sent it please sent the information this way
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Per the Privacy Act of 1974 Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (SC)

I sent a dispute letter for a allege debt of {$920.00} to debt collector XXXX XXXXXXXX  on XX/XX/2023. They receive the dispute letter on XX/XX/2023, after receiving my letter they did not update the unknown account was being disputed within 5 business days per. 15 U.S. Code 1692g ( a ). Within in the 30 days for them conduct an investigation and they did not send me validation of the allege debt. I sent a fallow up letter on XX/XX/2023 they received the letter on XX/XX/2023, informing them they have failed to provide proof of validation within the allowed time that is governed by law to conduct an investigation and failed to provide the notice of disputed within the 5 days of receiving my letter. I requested them to cease communication and remove the erroneous account because failed to be in compliance with the law. I received a letter from XXXX XXXX on XX/XX/2023 that showed the allege debt amount {$920.00} and this is different from the amount that they are reporting I allege owe. This is a violation of 15 US Code 1692e ( 2 ) I sent a letter in detail to three major credit reporting agencies ( XXXX, Equifax, XXXX ) of the violations XXXX XXXX conducted and requested the three major credit reporting agencies, XXXX, Equifax, XXXX to remove the account as well send me a copy of the investigation they conducted. I never received a copy of the investigation that was conducted. the erroneous account is still continuing to be reported on my consumer report.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

Given USAA 's denial of attempting to repossess my vehicle while under the bankruptcy stay, I am questioning the legitimacy of my loan and any business relationship with USAA. If USAA is not acknowledging their breach of bankruptcy law, I can not acknowledge the validity of this loan or any claims they make regarding my account. 
As a result, I wish to dispute the loan and any associated negative remarks on my credit history. If USAA can not validate the loan or the actions taken regarding the repossession, these entries should be removed from my credit report.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.