davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

In XXXX of 2022, BSI financial has repeatedly placed an escrow account on my mortgage claiming I have been delinquent in paying my property taxes, I have never missed a payment or made a delinquent payment. After 3 months of not processing my payments and reporting me late to the credit agencies they finally resolved my issue. Then again in XXXX I was notified that they again added an escrow account and again took several months to address. I just received another escrow analysis and disclosure statement that an escrow account is being added and my payment is increasing to satisfy the escrow shortage.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. 
Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of this account on my report. Please update the account below : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX 4 year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made 30days and even 60 days past due with Equifax. XXXX XXXX is falsely reporting a Charged off Credit Card account thats been delinquent since XX/XX/XXXX XX/XX/XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Consumer complaint received 2023-11-25
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. (LA)

I am a natural person, I am a living human being, I have rights under the 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
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. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Company stole my personal identity in order to fraudulently collect a debt that I dont own. Ive never signed any written forms of communication, nor have I entered into any agreements with them. 

They are currently harassing me.
Consumer complaint received 2018-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (GA)

Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money A loan provided to me by XXXX XXXX XXXX, funded XXXX2018 in the amount of {$600.00} was made at a significantly higher interest rate. I have also discovered that Spotloan is not licensed to make loans in the state of Georgia.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XX/XX/XXXX Dear TransUnion Just to start things off, XXXX days should be enough time for your company to send me the information that XXXX requesting regarding the last investigation you did on the following account listed below. 

XXXXXXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX  XXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX XXXXXXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX XXXX  Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

XXXX Days should be enough. 

Tracking all letters. 

Waiting.
Consumer complaint received 2023-05-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

During travel to XXXX approximately XXXX in support of XXXX XXXX XXXX I noticed fraudulent charges on my card, which is a Visa through USAA. I contacted the fraud department ( very difficult in these circumstances, and XXXX XXXX XXXX XXXX ). They refused to connect me to the fraud dept because they could not verify me, due to wifi calling in lieu of cellular. I had to have my bosss wife call them, and then switch to me after they verified her. 

After reaching the fraud dept, I was transferred to the the credit card dept, where I was met by a person with XXXX  XXXX. I hung up, because I suspected a hack. The fraud representative never shut off my card, which continued to hemorrhage charges. I called the fraud dept again after realizing they hadnt even frozen my card, and was promptly forwarded to the wrong department. I then had to wait on hold, again ( have I mentioned that their calling tree makes it painful to reach a human? ), until I reached another rep. Who threatened to hang up on me because I was angry. I went through the charges with her and she said she filed a report. She insisted on sending me a new card and not freezing my account. Then the call dropped, because XXXX. Instead of contacting me back, they contacted MY EX WIFE. 

Tonight, I received an email saying that my credit score has dropped because my card is past its limit. They still havent removed the charges. So I was forced to compromise my identity again to call them over questionable WIFI. And this representative told me that her record shows that I didnt finish going through the charges with the previous rep. Despite the fact that I spent over an hour on the phone with the previous representative. We went through the charges again, and she assured me that it was complete. 

The charges are still present on my account. I have no confidence in USAAs fraud procedures anymore, and this has been a brewing problem for a couple of years, despite the fines they have received. I just got a new card a month or two ago because it was compromised. This card is my oldest credit account, so I cant simply close it, although it seems they wouldnt close it if I asked, since they refuse to freeze it. 

USAA needs regulatory discipline to step in to fix whatever is wrong with them.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently checked my credit report and I noticed numerous inaccurate accounts, inquiries and information on my credit report I've reached out to the credit reporting agencies to correct the issues but they did not please see the attachments included in the following complaints
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

On numerous occasions my credit was ran without my knowledge/consent. I have called plenty of times trying to see where all request were sent from and havent received any information yet. I get my credit ran for free every week, I would never consent to a credit check when I already have my credit score.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, US DEPT. OF EDUCATIONXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-06
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. (IL)

I have reached out to these companies numerous times about the inaccuracies on my report about an XXXX XXXX XXXX XXXX XXXX XXXXXXXXThey have continued to report my credit report as accurate when it is in fact inaccurate.They have yet to delete this false information. I would just like for this account to be deleted I didnt give permission to have these accounts furnished to my report. Below is inaccuracies circled that are reported from each credit bureau Transunion XXXX and XXXX
Consumer complaint received 2023-04-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

I went into Covid forbearance. It reported late for 11 months. Never indicated the reason why I was in forbearance now I cant even get housing I feel it is not reported correctly because it is made to look like I just didnt want to pay it. Now credit suffers leaves me no where
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I filed a dispure in XX/XX/2018 against XXXX XXXX. I went into a payment agreement with XXXX and they promised not to report late as long as I kept to the schedule. My dispute was that all payments were made on time. according to agreement. Experian agreed with my update however dropped my FICO score 14 points for no reason. There was absolutely NO CHANGE to my credit report. I tried to work it out with their dispute team and they were extremely rude and impossible to work with.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion has this XXXX debt of my credit report and according to Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10, I XXXX XXXX XXXX also doing business as XXXX XXXX XXXX also the creditor did no give consent to TransUnion to put that debt on my report.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value 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, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$150.00}.
Consumer complaint received 2018-08-03
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. (NC)

I have contacted XXXX XXXX  numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.
Consumer complaint received 2024-04-08
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX reporting {$25000.00} is false. Staying that there isa breech of contract, transferring funds that was not received. On XXXX, XXXX. I've contacted the company every year. To prove the enrollment was cancelled and discharge and that was corrected. I still see the problem on my credit report. I never received the loan the agreement was cancelled immediately. I did not agree with the total amount for enrollment.
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MD)

Once again, on XX/XX/year>, I called to make payment to my XXXX XXXX XXXX. At around XXXX a.m., I spoke with associate XXXX XXXX to initiate and confirm payment. He acknowledged the bank account that AidVantage already had on file to complete the transaction. He provided me with a confirmation number ( # XXXX ), sent me a confirmation of payment email, and I saw the payment reflected on my AidVantage Account. However, on XX/XX/XXXX, and XXXX, I received a notification from AidVantage claiming that payment was rejected because my bank account couldn't be found. But the bank account AidVantage claims they can not find is the same account that they took {$1200.00} dollars out on XX/XX/year>.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (WA)

On XXXX, Lexisnexis sent my insurance company a report with a negative code " Percent of accounts reported in the last XXXX  months to total accounts on file ''. After multiple calls to lexisnexis, they stated that this means that they were comparing XXXX years of accounts on file to XXXX months of active accounts. 
I have XXXX active accounts and XXXX accounts that were paid in full and closed more than XXXX months ago. This resulted in a negative score for my insurance company and increased my insurance rates. The information is correct. Lexis nexis is not compiling it properly. 
They are comparing XXXX years against XXXX  years and giving me a negative score. 
When I finally talked to a supervisor ( XXXX ) She told me that all the can do is file a complaint with XXXX. The XXXX  information is not the problem. The problem is HOW lexisnexis is interpreting that information. 
I asked how I could challenge or dispute this finding and she told me that there is NO WAY to dispute the lexisnexis code and they would not remove this unwarranted negative mark against my insurance score.

As a resolution, I would like to be able to dispute this score and have this negative mark removed and a new, accurate report generated for my insurance company.