davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX I would like a full credit report from XXXX XXXX XXXX XXXX XXXX and my Full Lexis Nexis XXXX XXXX FILE. I have be unable to get my file from the website for some reason. I have attached my ID SS card and Proof of address please send my credit file report.
Consumer complaint received 2024-04-22
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. (TN)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days. Also 15 U.S.C 1681 section 602 A. States I have the rights 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. 
These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was a loyal customer with Chase Bank for many years, and all of the sudden, they decided to close all my checking accounts and credit cards. I've never missed a single payment with them and I was about to expand the relationship with them, but for an unknown reason or a system error, they closed all my accounts. I tried to call their executive office to ask for an explanation and a second review of my account due to their system error, they refused to provide a reason and refused to offer a second chance review by human.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Name : - -- - Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is in violation of FCRA 15 U.S.C. 1681S-2 1 ( a ) ( A ) ( B ) ( 2 ) ( B ) reporting a sold account as a collection and with a balance
Consumer complaint received 2024-07-09
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I git charged a fraud for XXXX $ by a company called XXXX  XXXX  which I never received any goods or service. Tried calling them but they never picked up my phone
Consumer complaint received 2024-04-25
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. (NY)

About a month ago I realized there were fraudulent charges on my XXXX account. I called XXXX. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that XXXX has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called XXXX multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but XXXX can at least give me a letter saying this was reported my mistake. I also disputed this XXXX late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXXDebt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TN)

I am writing to file a complaint against Nationstar because of their predatory lending practices reporting negative item for last 9 years Illegally appraisal of my house at $ XXXX in XXXX. All comparable were XXXX to XXXX. they illegally compared the house form outside the subdivision to get XXXX unlawfully Charged 7.87 % interest on my house Dishonestly started foreclosed process in XXXX and took my home from my family. ( See Court Process ) Unlawfully reporting negative and foreclosure in my credit file since last 9 years a. XXXX and Nationstar has changed the date for last delinquent payment date so they can report negative item until XXXX After 9 Years -I am still ca n't buy house because they have changed the date of my last delinquent payment with XXXX It should be only for 7 years
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received paperwork in the mail that is just computer generated account bills which have my name on them, but I also obtained, through my own sources, the same paperwork of several individuals. Other than the names being different, the rest of the paperwork is identical. It is either fraud on the part of XXXX XXXX XXXX or it is major oversight on their part to protect stolen identities.
Consumer complaint received 2024-04-25
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. (OH)

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 2023-05-26
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. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Consumer complaint received 2024-04-25
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-31
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Account name XXXX XXXX  XXXX Account XXXX XXXX
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is my 3rd attempt to rectify this issue with this company. SPS has yet to return the unearned interest that is owed to me from my mortgage being paid off in full 15 years early pursuant to 15 USC 1615. They claimed that they gave me what was owed but that is inaccurate ; what SPS is referring to is a return on an overpayment for homeowners insurance. To be clear, I am demanding they return my unearned interest due to me from my home loan being paid off 15 years early. I demand the unearned discount ( unearned interest ) due to me from paying off the mortgage 15 years early.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

I already filled a complain to this company and your company closed the complain after XXXX response was " We take very serious every complain and when we bought this loan we were informed that the loan was paid one month behind '' they only gave you lip services and no proof. XXXX has send me a computer paper generated by their employees with wrong dates and amounts. I had sent several times the XXXX XXXX XXXXXXXX statement with the correct dates and the amounts the bank is monthly paying this loan. As you can see all they are been paid on time and never partial payments. XXXX is stealing my money by only applying {$68.00} to the principal instead of the {$220.00} they supposed to apply and adding late fees to that. this will sooner or later will increase the amount of the loan making this a fraudulent practices to enrich their pockets from customers like XXXX XXXX used to do before being caught.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-01-26
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: AMERICAN EXPRESS COMPANY (FL)

I was XXXX and my credit profile was used by people in my family, when I was XXXX I finally got my things together and was able to get into XXXX XXXX and seen a number of things I did not do or sign up for.
Consumer complaint received 2024-04-25
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. (CT)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.