davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (GA)

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2023-09-21
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-11-07
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.

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 2023-12-22
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: Possible Financial Inc (LA)

The XXXX XXXX bank claim account opened on XX/XX/2021, and the credit run-up is XXXX. I explained to the provided proof when first contacted in reference. That I had been in Michigan since XX/XX/2021, helping my parents. My dad was placed in hospice around that time. While gone, the neighbor 's daughter allegedly was the one who broke into my home, took a nice one, stole XXXX that I no longer used, and did quite a few things without my permission. I even provided the XXXX lady 's name. The police couldn't do anything because there wasn't any hard proof, just hearsay. The company was supposed to send me a packet and didn't. I mean, what more can I do? I'm also trying to clean some other things up from that mess. But I refuse to pay for something not even close to mine.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-13
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2023-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I owe {$0.00} per month on the XXXX plan based on my income. My loan servicer MOHELA is not processing these {$0.00} payments ( To count towards XXXX and eliminate monthly interest ). 

The last payment of {$0.00} was supposed to go through on XX/XX/XXXX but it didn't. So I have accumulated more interest and no payment was confirmed that counted towards XXXX. For some reason MOHELA decided to push the payment restart date to XX/XX/XXXX which should not have been the case. There was no reason to do this when payments started back in XXXX according to the federal government. I did not consent to this and asked that my payments start XX/XX/XXXX when I spoke to a customer service agent over the phone. 

When I checked and saw that this {$0.00} payment had not gone through I submitted a payment of {$0.00} on XX/XX/XXXX since the website would not allow me to manually submit a payment of {$0.00} as I should be able to. 

In addition, I had enrolled in auto debit some time ago and received an email that my application for auto debit was successful, so the {$0.00} should have been automatically gone through on XX/XX/XXXX.
Consumer complaint received 2024-06-13
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. (MA)

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, NY XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year>
Consumer complaint received 2024-05-04
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. (GA)

My XXXX XXXX states that they are reporting to Equifax but equifax hasnt changed my information since XX/XX/2023. This is preventing me from obtaining a mortgage loan. I have made on time payments and my credit limit has increased. Please address this issue
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2024-06-13
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: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Parnell & Parnell, PA (GA)

Creditor was XXXX. Account was closed around 2021. While Account was on a forbearance during Covid Lock down XXXX reported negatively to credit bureaus, attempted collections while in forbearance before payments were due. Balance reported was much higher than actual balance and could not provide accounting for alleged balance. Almost 3 years after Account was closed I recieved a lawsuite without any notification to question validity of debt and accounting. Lawsuite was dismissed in my favor. Then XXXX began to play games reporting false balance owed, and reporting late payments of 40 months and more, as if Account was open. I filed a dispute. They changed status to charge off, but continue to file every month on this closed and lawfully dismissed Account. I am wanting all late payments reported removed from time of account closure.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/XXXX, a detailed complaint letter faxed to Bank of America disputing with timelines of a fraudulent charge by an international vendor to a credit card in my name that was closed ~ XXXX or XXXX and no activity in the account since this period. The fraudulent transaction was initially discovered and reported to BoA on XX/XX/XXXX. Since this time, BoA has not responded satisfactorily and their method of addressing the complaint is opening a new credit card account without my consent and transferring the the balance of the fraudulent to the newly opened account. BoA 's credit card department subsequently harass me by placing frequent telephone call to collect on the debt. I have spent many hours contacting BoA with the intention of resolving their errors and lack of basic controls to mitigate risk from vendors submitting fraudulent transactions. The last conversation occurred at XXXXXXXX XXXX. on XX/XX/XXXX with XXXX of BoA to address another credit card account opened and transfer of the fraudulent balance transfer. After spending over an hour discussing the background with XXXX, he confirmed BoA never filed a fraudulent claim since my initially reporting it to them on XX/XX/XXXX and that this will be the next action taken by BoA. Needless to say this came as a surprise and demonstrates BoA 's lack of basic controls in managing consumer complaints and mitigating risk from fraudulent transactions submitted to them. I'm familiar with CFPB 's recent record $ XXXX fine assessed on BoA for lack of similar controls in opening fraudulent accounts on behalf of their customers without the customer 's consent. I have similar experiences with fraudulent transactions and accounts opened by BoA which again I have brought to BoA 's attention since XX/XX/XXXX. This is the basis for this request to CFPB for assistance achieving satisfactory closure to this long standing complaint and assurance BoA 's failure to address the complaint timely does not adversely affect by credit rating in the industry.
Consumer complaint received 2023-11-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MN)

I have made this complaint about Comenity Bank probably XXXX times now. 
They have an unfair and unethical practice of reducing credit limits when they notice that you are paying down your balance. Example your balance is XXXX, you pay it down to XXXX, they lower your limit to make it look like you are maxed out. You pay it down to {$200.00}, they will lower it to {$100.00}. They claim its after a review of your account, but its false. Even if your score has not changed, they do this to purposely harm your credit. NO other credit card company does this to me. 
They claimed it was because my score lowered but theyve been doing this for years & I received a notification my credit score actually went up.

Please pull my previous complaint for the screenshots but this is the newest one I got. 
I did a little test run. I paid off my credit card with them. The limit was {$400.00}. I paid it off and today ( XX/XX/XXXX ) I received a letter saying they lowered it to {$100.00} after a review of my account. 
Meanwhile I received a credit alert saying my score increased so why did they lower it? Theyre purposely trying to ruin customers credits. This bank is so unethical and I think this practice itself needs to be stopped because I guarantee I am not the only customer they are harming.
Consumer complaint received 2023-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

In XX/XX/2023, I paid {$500.00} for a Home Appraisal through Rocket Mortgage. The appraisal report had a lot of errors such as actual square feet. The appraiser only took pictures of the home. He identified the dining room in the pictures submitted as a bedroom. The Sketch Addendum doesn't show the dining room or the extra bedroom. Picture of out building wasn't included in the report. I believed my house was low balled in value. I have found about 55 - 179 comparable sales of higher valuation. I brought this to Rocket Mortgage attention. On XXXX XXXX, I spoke with XXXX XXXX XXXX appeal representative ) for about 45 minutes. I was told that it was my responsibility to find comparable properties. That afternoon, I submitted 6 properties. On XX/XX/XXXX, I was told I could only submit 3 properties. I submitted 3 properties on XX/XX/XXXX. On XX/XX/XXXX, appeal was denied because the properties that I submitted were not located in the same County as my house. All of the comparable sales were in the same county. On XX/XX/XXXX, I submitted 3 properties that I thought were in the same county. The reply email was " appeal can only be submitted once ''. All email correspondence was with XXXX XXXX. She did not tell me the parameters to submit properties such as how many, they had to be in the same county and that the appeal process is a one time review. The second appeal report was on XX/XX/2023. The Comparable sale for # 2 and # 3 were changed. The value of my house did not.
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In regards of my many efforts to address these inaccuracies through the appropriate channels, I would like to follow up that the credit reporting agencies have failed to take appropriate action to correct these errors. The continued presence of these late open accounts is significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed all necessary procedures as outlined by the Fair Credit Reporting Act ( FCRA ), providing substantial evidence and documentation to support my claims. Despite this, the credit reporting agencies have not taken the required steps to investigate and rectify these inaccuracies. 
I respectfully ask that you would assist me to take the following actions : Conduct a thorough investigation into the disputed late open accounts listed on my credit report. 
Promptly correct any inaccuracies found regarding these accounts. 
Provide me with a corrected copy of my credit report. 
Furthermore, I request appropriate restitution for any damages incurred due to the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$100000.00}.
Consumer complaint received 2019-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IA)

I have been working with Bayview loan servicing for months to modify a previous loan modification that I was late for one payment. I have filed a complaint with the CPFB over this issue. I was denied due to a rule that I can not have another modification within a 12 month period. The anniversary date for the modification in question is XX/XX/XXXX. I was a denied for the last application on XX/XX/XXXX, one day from the anniversary date of the last approval. I have supplied Bayview all proofs that they have requested pertaining to reason that I was late on the last payment, that I am current employed with a better paying job, and that I am receiving rent from them non-owner occupied side of the XXXX. I am requesting that Bayview give me proper consideration of my situation, and that timeframe that I am making my request for a new modification per their rules.
Consumer complaint received 2024-06-13
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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