davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-04-23
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-13
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. (MI)

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 2024-05-16
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)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-10-03
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. (SC)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section XXXX A states I have a right to privacy. 
15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My identity has been stolen and i was able to make a police report on it. i never noticed the following accounts being listed on my report until it was time for me to go ahead and purchase something in my name, I noticed there were 4 repos meaning four vechile were in my name without my knowledge and the lenders that actually approve the suspect to even get the vehicle in my name without my consent or more secuirty information is unhinged. theres accounts reporting in my name that I am not aware of opening.
Consumer complaint received 2024-09-09
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-03
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX credit reporting agencies, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

XXXX XXXX XXXX ( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries. Except as provided in section XXXX XXXX XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-05-13
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. (NC)

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 2024-04-23
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX Date Open : XX/XX/year> Balance : {$2500.00} Account number : XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-29
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. (AZ)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. 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
Consumer complaint received 2023-11-15
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)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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.
Consumer complaint received 2024-04-26
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. (MD)

These inquiries were unauthorized and XXXX a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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: Experian Information Solutions Inc. (PA)

Ensuring timely payments on this account has always been my priority, avoiding any instances of overdue payments. I'm unclear about the reasons behind the reported late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Late Payments To ensure that the creditor report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following late payment information therefore needs to be re-investigated. 



I request to provide proof of this alleged late payments, and payment history. I am maintaining a careful record of my communication with you for the purpose for filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance if the validation of the debt requested isnt completed. 



Please have the creditor provide the validation documents to the XXXX  as well as certified mail to me. Its extremely important that creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off. Thank for your assistance. 



If creditors can not provide the requested payment history and documents, please have the late payments removed from my credit file
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc. (MI)

Company closed my account without notice. Refused to provide me account statements. Refused to allow me to dispute fraudulent activity. Laughed at me on the phone after I said I was on consumerfinance.gov filing a complaint against them. They have refused to allow me access to my funds. This bank is a total fraud.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I HAVE BEEN ATTEMPTING TO REQUEST A MODIFICATION on my mortgage with Nationstar for over a year now, The Lender blatantly failed to comply with HAMP rule Book notwithstanding of its participation and therefore obligation to do so. in a period of over a year, the failed to assign a SPC or Customer relationship manager to the account even after an appeal was submitted. in the contrary they purposely assigned a Legal Code into their system that prevented me or anybody in my behalf to speak with the bank. i was cheated by their attorneys at court whom cohered me to sign a consent judgment so no further litigation was active on the account, this being back on XXXX 2015, this will grant them a sale date in court 90 days after that. well to my demise and surprise they continuously refused to remove code or to allow me to speak to anyone in regards to my modificatiion, even worse denied my attorney to even sepak wtih them direclty in thse regards, therefore we could n't know whether addiitonal documents were nedeed or not until 2 weeks prior to the set sale date they decided tosend correspodnece denying the modificaiotn leaving me with 3 days literally to dispute their decision, i was able to do so at no avails i still was n't able to speak to anyone regarding my modification or dispute. they have failed to evaluate my request accordingly miscalculating income as per the rule book and taking out of the equations XXXX or deferment that could have resulted in a workout. it is obvious there is something else here as the property location is heavily coveted and the Lender might have special intentions therefore to create this issue for me. i addition there are 2 + years of unpaid principal balance which were discharged by the Chapter XXXX bankruptcy i am part of now, which they ; disregarding Bankruptcy court order, refuse to remove from the balance due, with the obvious attempt to disqualify me from any work out, any and all efforts have been done to reason with this bank with no positive results. the Court has granted an additional extension to sale due to proof remitted to judge of the above stated but now they have given me 3 days to resubmit a modification request ; which i will do. in hopes this organism has the tools to overcome the red tape and make justice, sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

Servis One , Inc. DBA BSI Financial Services received my regular mortgage payment early but did not apply it on time and did not notify me that my payment would be late.

They received multiple checks in one envelope about a week before it was due.

They cashed all of the checks before the payment date. 

They applied the others that were in that same envelope but not this one. 

The person processing the payment could have seen that all three totaled the regular monthly mortgage payment but they did not. 

I am simply asking that they correct the late payment report My payment was made on time All my payments are made on time They did not apply it correctly. 

They did not notify me of any problem. 

This is a serious issue that probably affects many other mortgage holders. 

Please see if you have other complaints of this nature about BSI Financial.
Consumer complaint received 2024-04-23
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. (IL)

I am writing to dispute unauthorized inquiries that are still appearing on my credit report. Despite previous attempts to address this issue, the unauthorized inquiries remain listed, negatively impacting my creditworthiness and financial standing. 

I wish to emphasize that I did not authorize these inquiries nor did I have any prior relationship with the entities listed. This unauthorized activity has significantly affected my credit score and financial well-being, and it is imperative that it is promptly addressed. 

I assert that the continued presence of these unauthorized inquiries on my credit report violates the Fair Credit Reporting Act ( FCRA ), particularly : 1. Section 604 - Permissible Purposes of Consumer Reports : Unauthorized inquiries violate the permissible purposes outlined in the FCRA for accessing consumer reports.

2. Section 611 ( a ) ( 1 ) ( A ) - Accuracy of Information : The information provided by your agency regarding the unauthorized inquiries is inaccurate and misleading, as I have provided evidence proving them to be unauthorized. 
3. Section 623 ( a ) ( 2 ) - Duty to Correct and Update Information : Your agency has failed to correct the inaccurate reporting despite my previous disputes and documentation provided, which is a violation of your duty under the FCRA.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Charges were made as follows on my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX XXXX For a total of {$52.00} Years ago I had setup autopay from my bank account to pay the full balance due on this credit card monthly. For reasons known only to XXXX they did not use that system and then declared me delinquent and a nonpayor. I promptly paid the total of {$52.00} to them and can prove it. Nonetheless, XXXX started piling on late fees, delinquency fees, etc. and has now made very negative credit reporting on me, lowering my credit score substantially even though I have decades of perfect credit. They are lying and saying I did not pay when, in fact, I did. I want them to reverse and withdraw their negative credit reporting since I paid the balance in full after I saw they did not use autopay. 

Furthermore, in what I believe to be a completely illegal and unethical move, they seized and removed points I had accumulated as a longtime credit card customer and had put in my XXXX account. These amounted to more than {$200.00} I have been unable to use on purchases from XXXX. These " points '' have nothing to do with my credit card as these points were earned through years of charges on my XXXXXXXX XXXX XXXX  and were to be available to me but XXXX just arbitrarily took them away. It is like they stole my money. These points should be restored in full. 

I wrote an XXXX a detailed letter ( paper letter ) in XX/XX/23 and they have never responded 4 months later. They have ignored me. But they have substantially impacted my credit negatively and stolen points from my XXXX account. They should be ordered to correct negative credit reports and restore my points that I earned. I suggest they be fined for dishonest and unethical practices as well. They are way out of line with this simple matter in which I PAID THEM IN FULL.
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my Transunion credit score dropping it 28 points.