davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I had refinanced my home XX/XX/XXXX from XXXX XXXX XXXX XXXX. XXXX sold the loan to Nation Star Mortgage. As per the original loan documents and private mortgage insurance disclosure, my PMI would automatically terminate XX/XX/XXXX. Nation star is refusing to honor the original document. Nationstar wants me to go for a new appraisal or wait till loan to value falls to 75 %. My decision to re-finance the home was based on number of factor and XXXX of the main factor was PMI. I refinanced from FHA loan to conventional loan to avoid paying higher PMI for a longer period of time. I have also attach the document that was given to me by XXXX, communication between Nation Star and me and the payment history. Request your intervention to get this issue resolved. I have always paid the monthly payments on / in time. I have never been late on the payments.
Consumer complaint received 2024-07-31
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. (OH)

I have included an identity theft report that included the following companies. XXXX XXXX XXXX and XXXX XXXX XXXX. I also included XXXX hard inquires in the report. These accounts do not belong to me. Any payments made or contact with these companies were not made on my behalf.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : XXXX. Investigate this matter with the company listed above. 
XXXX. Remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the XXXX investigation period mandated by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My payments on this account have always been timely, avoiding any overdue status. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It seems that FCRA 605B requires the removal of inaccurate accounts from my credit report. Can you please check the documents? There are discrepancies in the reporting, amounts, and dates for some of the listed accounts.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX I Have never had XXXX XXXX I do not know where or whom this company is. I reached out to them to ask them about this account and they never sent me anything. This is fraud. I sent over multiple letters certified mail and they still haven't remove this from my credit report. FRCA law prohibits false information that is not mines to be reporting. I demand this is removed from my credit report. NeXT steps will be filing a lawsuit.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-04
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)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-24
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

I attended this school in XXXX, I was unable to complete the coursework because the school closed down. The institution is still charge me for the debt. The school advertised and explicitly promised being hired upon completion. However, they lacked credibility there after because I was unable to complete the course work and was left with the death. The company breached its contract by promising upon completion being hired however, closed down in the process leaving me with the predatory loan. I determinately relies on this process, I have been unemployed as of today and my loan debt accumulation keeps increasing.
Consumer complaint received 2019-04-24
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: AMERICAN EXPRESS COMPANY (FL)

A transaction was cancelled in the amount of XXXXThis was an order for a pair of shoes thru XXXX XXXX.The order was cancelled within 2 minutes after it was placed.The transaction went thru using XXXX. 
American express put a hold on my account for XXXX on XXXX XXXX.This was supposed to be released by Amex today XXXX.They have not.Now they are blaming XXXX XXXX for the hold. 
I spoke with multiple people from Amex, including a person maned XXXX that stated hes a supervisor.All he did was lied to me regarding the issue. 
There's no reason for Amex to lied regarding availability of funds. Its terrible that they DO NOT PROTECT credit card holders from fraud, when they are the guilty ones!!! The XXXX its fraudulent charge and I want the money back into my account. No excuses. 
In closing this is not the first time that I had this issues.10 days ago, I made a a purchased and they charged ( amex ) twice.I had to spend many hours with them to get it resolved.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

For some reasons my loans were reported as having a late payment for the month of XXXX and that is incorrect because I have never not been in school and this was a mistake. They fixed the late payment on XXXX or XXXX of the loans but didnt correct the rest of them. Ive also consolidated all of my loans into XXXX so why are the old loans still showing anyways?
Consumer complaint received 2019-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

applied for a loan with bigpictureloans.com on XX/XX/2019 to help with some bills, got approved but after the finalization was done received the information on repaying the loan in detail. will be repaying 3 times the amount I borrowed. loan amount was {$1900.00} the repay is going to be {$6900.00}, this is completely unfair.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

{$2900.00} check to XXXX and XXXX XXXX was deposited via ATM at Bank of America on XX/XX/XXXX to business account of XXXX XXXX dba XXXX XXXX and put on hold for ten days. No previous insufficient funds or account problems. The payer was XXXX XXXX who verified that this check cleared on XX/XX/XXXX, subsequently Bank of America held funds that had already cleared for 10 days for no reason, aka outright theft, before funds were finally available on XX/XX/XXXX. Calls to BOA to resolve the hold were of no help. BOA claims that they hold all checks before funds are available, but it is unknown if this is true. I would avoid opening an account with them at all costs.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter onXXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 XXXX 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX and XXXX XXXX XXXXXXXX is reporting a wrong loan balance they are reporting XXXX and last I check I owed only XXXX. In addition they are not reporting my payments instead they report it to credit as unavailable. They also say I only had account open XXXX years and not accurately reporting this
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, and TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX  can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX  has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX  terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion is not an affiliate of XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (NJ)

" 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 each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "