davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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. (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 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OK)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried so many things to get things that are not accurate on my credit report with XXXX, names that are not correct that they are showing, not correct. Then collections account for XXXX opened on XX/XX/XXXX that I have tried disputing multiple times and they refuse to take it off it is at {$0.00} and shows still open, the account information for it is incorrect. I don't have late payments, the account has been paid in full and is closed since XX/XX/XXXX. I have even called XXXX and they confirmed that it is closed and that there are no late payments. 
Secondly there are two accounts for XXXX XXXX XXXX XXXX  XXXX XXXX. One on XX/XX/XXXX for {$1600.00} and the next is on XX/XX/XXXX for {$1500.00} I have reported I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. 

I know that it says no personal information and things like that but, I am frustrated because I have tried so many times to fix my credit report with up to date information and it never seems to matter to them. 

There is an address XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX that is not a correct address at all. I have never lived there. It needs to be removed. 
Names that need to be removed, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX is on there two times as well. 
It only needs to be there one time. 

Lastly, there is a hard inquiry for Resident Verify saying it is XXXX XXXX XXXX XXXX - I have never even heard of it until I XXXX  and I don't even live near there at all. It needs to be removed as well Transunion is another story, I have requested XXXX XXXX to be removed as there are duplicate charges on my account. XX/XX/XXXX for {$560.00} I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. There is second collection from the same company with the same date but for {$520.00} on it. Again it needs to be removed.
Consumer complaint received 2023-09-12
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (FL)

I moved states in XX/XX/XXXX and went to register my vehicle in my new home state. My refinanced loan with Navy Federal started I believe in XXXX. 
So for three years my loan interest rate was at 3.890 %. Starting XX/XX/XXXX my interest rate drastically increased to 14.790 %. According to Navy Federal this was due to my failure in submitting the title of the vehicle I refinanced several years prior. 

This issue of Navy Federal not being listed as a lien holder was not discovered by me until I moved to Florida and needed documentation from my loan holder, Navy Federal, in order to register and re-title my car in Florida. 

Although, their website clearly states : If you refinanced from another financial institution, verify with them that the title was mailed to Navy Federal. Once Navy Federal receives the title, we will mail required paperwork, if any, to your address on file to apply for a lien-recorded title. Navy Federal will debit the DMV titling fees from your account and submit to the DMV on your behalf. 

Yet somehow the responsibility is being placed on me. And Im literally being taxed an outrageous amount of interest rate as a penalty. The previous financial institution confirmed with me that they submitted the appropriate information to Navy Federal and also stated that I was not responsible for getting the lien holder information changed, as confirmed on Navy Federals website. 

When this all came to light Navy Federal stated they could not and would not change the lien holder information which is incorrect. When I contacted the NJ DMV they stated that the financial institution must be the one to request the title etc. I went back and forth for months, many months between Navy Federal, XXXX, and the prior lender, etc. in a vicious and non ending circle. The prior lender, not Navy Federal, finally gave me a lien release so that I could get my title changed and be able to re-title my vehicle and register my vehicle in the state of Florida. 

Now, apparently, I still have to add Navy Federal as the lien holder which is an additional inconvenience but is doable given that they are the loan holder for this vehicle. But I discovered today that they refuse to retroactively fix the interest rate and will only change me back to my original interest rate, moving forward, after they receive the title with them listed as a lien holder. 

It is beyond outrageous and completely unconscionable that failure on their part results in me having to pay a super high interest rate and that they are unwilling to retroactively remove the additional interest rate. And are still holding me accountable for doing the job they failed to complete.
Consumer complaint received 2024-04-09
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. (MI)

Throughout the duration of this account, I've consistently made timely payments, ensuring they never lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts. Referring to 15 USC 1666b, any billing errors should be rectified.
Consumer complaint received 2024-04-09
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. (SC)

XX/XX/XXXX - I received a copy of my Experian consumer report XXXX XXXX. My Experian consumer report is showing XXXX Bankruptcy XXXX public record. And I DID NOT give Experian my express written instructions to enter the public record on my consumer report. And US Bankruptcy Court has notified me in writing that they DO NOT report to any credit report agencies - see the attached letter directly from the US bankruptcy Court. Experian has violated my rights According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. And the Experian has violated privacy rights according to the privacy act of XXXX
Consumer complaint received 2024-04-09
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: Experian Information Solutions Inc. (MN)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

The following accounts are fraudulent : XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (TX)

In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a 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 TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 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 the information is inaccurate
Consumer complaint received 2023-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

This mortgage complaint includes my prior complaint with XXXX and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, fake Trust. Im mentioning this as on ongoing fraud. 
I'm fighting an illegal foreclosure based on fabricated documents. The court agreed with me 2 x prior, but they keep filing with the same faulty information. Now a new servicer which is Fay Servicing LLC is involved.

I believe Fay Servicing is not following appropriate guidelines of the Federal Truth in Lending requirements in their billing practices. Every month they add thousands of dollars to the monthly total payoff. I am the probate administer for my mother 's mortgage and the house I own facing foreclosure. They have added $ XXXX with no explanation. I am including my Federal Truth in Lending original buy out amount of {$260000.00} and what they are charging now with their monthly statement of {$300000.00} for XX/XX/XXXX. They are also charging legal fees when the case has not yet been finalized. Fay Servicing has been sanctioned and accused of egregious behavior. Berry v. Fay Servicing , LLC, No. 21-8005/8007 ( B.A.P. 6th Cir. Sept. 9, 2022 ). They have not supplied the three-default insurance original policies payoff I demanded as probate administer which should have paid of the mortgage. These are PMI, Federal Private Insurance, and Risk Sharing Insurance claim number XXXX and the company was XXXX XXXX XXXX. There has never been a note.The Florida Supreme Court remanded the requirement of filing original note on inception which never has been done to this day. 
Nationstar V Faramarz. 

XXXX XXXX
Consumer complaint received 2024-04-09
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. (IL)

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 2023-10-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (IN)

Hello My name is XXXX XXXX At the end of XX/XX/2023 I had opened a High Yield Savings Account with American Express. all was going fine, My husband did a couple of money transfer from His XXXXXXXX XXXX account to my Amex account. Suddenly On the date XX/XX/2023 I received a letter from Amex stating that my account is getting closed. Then immediately I called Amex to ask how to get my funds back as the account is getting closed. They told me my husband need to call XXXX XXXX from which the money was transferred, and ask them to RECALL that fund. My husband spoke to XXXXXXXX XXXX, initially they tried to help by RECALLING it. Then we spoke to them again and XXXXXXXX XXXX said the RECALL can not work in this case as the account is already closed. Then again we got back to Amex telling what XXXX XXXX  has told us, and they said that's the only way the fund can be transferred back to XXXX XXXX< I also asked them if they can send me a Cheque to my address, they only kept on telling me to ask XXXX XXXX to Recall, now we also told them that the XXXXXXXX XXXX clearly said they can not Recall as the account is closed but Amex said that's the only way, This was XXXX XXXX with whom we spoke last on XX/XX/2023. I have posted this incident on XXXX as well, after which XXXX XXXX came forward to help us but after XXXX weeks of looking into the matter they said they can't do anything as the account got closed. Today XX/XX/2023 I posted on XXXX again after talking to Amex. I m frustrated and just don't know where to go who can help me, this money I kept for XXXX for My son 's education and now it feels like I am never going to get back. PLEASE HELP ME, if you can... 


Thank you so much XXXX XXXX
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX  XXXX Balance Owed : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-29
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: Bread Financial Holdings, Inc. (NY)

Zales Jewelry is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Zales Jewelry is in clear violation of this law. Zales Jewelry is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Zales Jewelry has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Consumer complaint received 2016-03-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (VI)

Nationstar Mortgage is the servicer of my mortgage. They have been sending me emails soliciting me to refinance. These emails state that my " rate will adjust in XXXX ''. While I do have an ARM loan, it is a 5 year arm originated in XXXX -- my first rate adjustment will not be until XXXX.
Consumer complaint received 2023-09-12
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. (DC)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2024-04-09
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. (CA)

I am writing to express my deep disappointment and frustration with the continued mishandling of my account opening process. Despite our previous discussions and the assurances provided, I find it unacceptable that a several attempt was necessary to address the tardiness in opening my account. 

I had hoped that our initial correspondence would have prompted immediate action to rectify the situation. However, the need for a second attempt indicates a failure to address the underlying issues adequately. 

I urge you to take immediate action to rectify this situation and ensure that such delays do not occur in the future. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences and a commitment to improving your account opening processes. 

Please treat this matter with the urgency it deserves and provide a prompt resolution. I value the relationship I have with your company and hope to see improvements in your service standards going forward. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX XXXX Balance Owed : {$16000.00}.
Consumer complaint received 2024-04-09
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX