davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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. (WA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit Systems ( NCS ) has not provided me with proof that they legally own the alleged debt. They did not attempt to contact me directly, phone, mail or email to notify me of the debt. They simply sent me an email on XX/XX/year> stating that a collection would be posted on my credit reports. On XX/XX/year>, I sent NCS a letter requesting the original purchase agreement with the original party/creditor to show that NCS legally owns this debt. They did not respond to my request. I received nothing stating this debt is mine or that NCS owns this alleged debt. I then contacted XXXX, XXXX and XXXX to dispute this inaccurate and misleading data on my credit report. XXXX removed the item from my credit report. 
XXXX and XXXX did not remove this inaccurate data after I sent them proof that this is misleading data being reported. They just said it was verified without showing me proof of a true investigation.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I asked for these unknown addresses to be removed XXXX XXXX XXXX, XXXX XXXX they update it XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ga XXXX incorrect city and spelling XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX thats not XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these are incorrect and unknown they update all of these I use to stay at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I asking to have all of this removed due to misspelling errors
Consumer complaint received 2024-03-21
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. (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 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANCO POPULAR DE PUERTO RICO (PR)

I contacted Popular Auto ( Bank ) on the phone at XXXX at XXXXXXXX XXXX on XX/XX/XXXX or XXXX of XXXX to get preliminary information on car loan rates and rates for employees. During the call, I explicitly ask if the process will include a credit check which I did not want them to do. The employee said that the pre-qualification process did not. As I just wanted to know the rates for a car loan. A few days after I reviewed my credit report using XXXX XXXX and I see XXXX unauthorized hard inquiries, not one inquiry but two inquiries. I contacted Popular Bank ( Popular Auto ) as their controls did not flag the double inquiries, and even less the unauthorized inquiries. I confirmed on more than one occasion that my credit will not be touched during this process. 
I send the evidence of the double inquiry to the bank, and they responded on more than one occasion that I did authorize the inquiry. I only asked for evidence and their controls were inefficiently identifying the doble inquiries. They responded on more than one occasion that I did authorize the inquiries and that they do not provide evidence. 

The bank is famous for incidents like this, but I never expected something like this to happen to me, and even more that the bank did not care to fix the problem or provide evidence of an event or incident.
Consumer complaint received 2023-11-07
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. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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 2023-07-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA ()

I had an On Line Savings account and a CD account with Marcus by Goldman Sachs. I decided to close these accounts in XX/XX/XXXX. There was no response from Goldman Sachs. After much effort and many pointless long phone calls, Marcus by Goldman Sachs eventually closed these accounts and sent me checks to cover my full refund in XX/XX/XXXX These checks were sent to XXXX XXXX XXXX XXXX who refused to clear these them and returned them. XXXX XXXX XXXX XXXX, did not clear the checks due a MISMATCH between the FRACTIONAL NUMBER and the ROUTING NUMBER on BOTH checks. I sent all details for the non clearance of the checks including a notarised affidavit to Goldman Sachs and requested they issue new and good checks. I have followed up by many phone calls but to date I have not received replacement checks. I seem to get nowhere beyond 1st base and speak to an agent who has no responsibility other than to say, Ive reported the situation to a specialist who will respond in 5-8 working days. I seek and am grateful for any advice and support.
Consumer complaint received 2024-04-27
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. (OH)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-04-27
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. (OH)

I have recently looked at my credit report and noticed that I have an account on my credit report that I have no knowledge of, nor have it been verified. I have attached a letter along with my proof of identity.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Island Finance Puerto Rico (PR)

I have applied recently like two or three times and continuously Island Finamce XXXX XXXX denied me personal loans from {$11000.00} and {$9200.00} to buy an essential product an used car a ls a replacement for a lost property in a car accident. The first time they said the required credit score is XXXX and my credit score went from XXXX then XXXX, the last time I applied in XXXX XXXX that they have had and the application returned me the application number : XXXX, i contacted them by phone and they said they reviewed my application and denied again the loan. Yesterday a coworker named XXXX XXXX commented me that in Island Finance XXXX XXXX the associate named XXXX approved and gave her a loan of {$4400.00}. She has the same salary and the company have the same time working here she have 3 kids and I dont have dependants. She said call XXXX. When I called to verify the information to XXXX to Island Finance XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, the associate named XXXX XXXX treated me in a discriminated way, she said that the application XXXX XXXX was not considered and the last call they reviewed another application number XXXX and was denied because they received my score with XXXX and my score in XXXX was XXXX, and before that XXXX and XXXX. But not XXXX. I edlxplained to her that after declared disaster XXXX hurticane XXXX, XXXX, XXXX XXXX i did not received any aid neither any loan to fairly recovered from declared disasters. I DID KNOW THAT CREDIT DISCRIMINATION IS ILLEGAL. The associate named XXXX XXXX lied to me without any motives in the phone call, they are false and misleading advertisement and clearly not equal treatment. I need thwt they removed the credit inquiry because they have misleading information and there associates are treated me in less favourable conditions that other applicants, credit discriminqtion is illegal, discrimination by gender, by age and for social status is illegal too. She assumes my backgeound and another informatiom and discriminated against me. She said that I have other accounts recently in XXXX, and of course I did not fairly recovered XXXX XXXX disaster neither declared disaster XXXX received any XXXX XXXX I have a economic injury per declared disaster and the Island Finance and their associates discriminated against me several times.They should removed the island finance credit inquiry from my credit reports in XXXX, in XXXX, and XXXX. And they should stop misleading advertosements and stop their associates discriminations agains applicants.
Consumer complaint received 2023-12-08
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: CL Holdings LLC (CT)

I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.
Consumer complaint received 2022-11-03
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. (PR)

Experian failed to give me a explanation into a dispute i summited to them XX/XX/2022. XXXX account in question and they added an extra account without giving XXXX proper notification. Everytime i submit a dispute woth experian they never ever give me a reason why they update the accounts in question. I have the letter i sent them and they violation i presented to them. They continue to ignore my eequestion in vioolation of FCRA. 

Other disputes i have had with Experian the creditor would send me and email stating they need more information. In this case the crditor never sent an email to request more information. 

XXXX XXXX XXXX stated XXXX XXXX, XXXX and Experian have discraded disputes without investigation. This is the case with me. 

Experian has been doing this to me for the last XXXX years, because im tryi g to purchase a house and experian is the only credit bureau that disregards the FCRA laws. I have had everthing experian is saying updated from XXXX and XXXX. XXXX is in clear violation of the FCRA laws. With this being said they need to remove all XXXX accounts of XXXX XXXX and the extra account that the same as oone of the XXXX accounts. Attached is the leterr and the laws experian has violated. Experian has a tendency of giving generic replys to me. Please help me we found a house we woyld like to purchase and experian is violating the laws and stopping my family to have a home. Thank you
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

This is not to complaint, but to inform XXXX XXXX XXXX, that my credit score as shown on my XXXX XXXX XXXX XXXX XXXX  Statement, a FICO Score 4 based in Trans Union data from XX/XX/2022, is incorrect. Just days after, on XX/XX/2022, Trans Union sent an official letter showing the results of their investigation, which is included here, along with the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, in which Trans Union, clearly changed this negative credit report damaging my credit, to a Paid as Agreed and Current Payment Status for my loan account with XXXX XXXX XXXX XXXX XXXX. or XXXX. : As the included as of today Docket Sheet document shows, I sued XXXX. for Fair Credit Reporting Act Violations, Fair Debt Collection Act Violations and Sex Discrimination. the same Lawsuit was not available for public view at the XXXX XXXX for XXXX XXXX XXXX but I am including my copy, marked as Received by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. No matter XXXX response is due next XX/XX/2022, the fact is the reporting credit bureau already changed the negative account to a positive account since XX/XX/2022, and it was reflected next day, XX/XX/2022. The FICO 4 Score shown at XXXX XXXX should be updated to reflect this change, because there is no recent delinquency like it shows on XX/XX/2022 at all, please see included Documents already at the United States District. Court for the District of XXXX XXXX as shown in the Docket Sheet of Today, XX/XX/2022. Final judgment from the Judge is probably just a matter of days. Thanks for reading and better if you update my credit report at your files due to this unfair action by XXXX that already Trans Union took care of.
Consumer complaint received 2023-12-29
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. (PR)

Reporting on Transunion one account that does not belong to me and 3 inquiries the name of the account is XXXX XXXX XXXX XXXXXXXX The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

Ive had no luck in debit transactions or transfers. Theyre accepting my deposits and blocking access to my money. I cant buy groceries or school supplies. Theyve XXXX XXXX XXXX  with no notice or resolution. Ally bank are crooks. I just want my money.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Hi, I certainly hope you can help as my home is in foreclosure with an auction date this Monday, XXXX XXXX. I 've been requesting a loan modification due to financial hardship for almost two years now from Nationstar Mortgage. I have been in my home since 2003. Today my attorney filed a strong suit against Nationstar LLC and XXXX XXXX XXXX XXXX. in the XXXX XXXX XXXX California , XXXX of XXXX XXXX, at the XXXX XXXX courthouse. I have now had my current attorney and a modification broker/agent I hired prior to him communicate with Nationstar non-stop during this time, and to no avail. Numerous and complete modification files have been submitted and none opened. All communications with Nationstar between my former agent with them, and my attorney with them, have been documented by us. Nationstar continues to ignore requests for pertinent and urgent information, claims time and again that they have n't received certain docs when they have, provides false information which depends on who you speak with there, and has sincerely provided no legitimate service or assistance in my trying to pay a modified mortgage which I 'm quite able and have been ready to do, and get my financials and credit back on track. I could go on but as the sale date is imminent, I 'm seeking any assistance they or you can help provide in stopping that action immediately, and just short of their causing additional serious damages to be accounted for in court at a jury trial and in class-action. I want no more financial stress and emotional hardship, and certainly would never be able to own and operate a licensed business in the State of California as they operate theirs. Nationstar has ignored the California Homeowner 's Bill of Rights in this case. Please help!
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I got a letter from Bank of America on XX/XX/2024, that they decided to close my account on XX/XX/2024. They are keeping {$580.00} of rewards in cash back that I earned. Ive 2 accts : XXXX & XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.

15 U.S.C 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.
Consumer complaint received 2024-07-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I kept receiving phone calls from Carrington to refinance. 
I was told it wouldnt affect my total mortgage balance, it wouldnt increase my interest rate, it would not extend my loan payment timeline, and that I would have lower monthly payments, and would not have to pay anything to refinance. I was told Carrington would cover all of my refinance costs. 
However, I was never informed about the effect it would have on my PMI. 
I was close to the end of having PMI payments but because I refinanced I now have been paying PMI for twice the amount of years. 
Carrington never informed me of this change that had just gone into effect the same year I was offered to refinance. They never told me about the PMI impact this change would have on me. 
I received refinancing documents of about XXXX pages, small print, legal jargon, with duplicates. It was very overwhelming and misleading.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

i Ask equifax why they block my report on there site i ask speak to mange hang up on me XXXX XXXX 2024 why is report lock when i send my id and bill and ssn card to them here my id ssn bill i would like my report unlock on there site plese my