davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-10-20
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Consumer complaint received 2023-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: UNITED MORTGAGE CORP (NY)

My partner and I opted for United Mortgage as our financial institution in order to secure a loan for the acquisition of a new residence. 

Due to unforseen events, we came to the realization that we would not be unable to financially sustain the ownership of this house. 

On XX/XX/23, me and my partner received an initial disclosure indicating a cash to be paid at the time of closing amounting to {$130000.00}, along with an estimated monthly mortgage of {$5700.00}. However, on the day of the closing, we were blindsided with an adjusted final disclosure, which stated that our new cash to be paid at the time of closing would increase to {$140000.00}, and our new monthly mortgage would increase to {$7000.00}. The significant disparity between the amounts disclosed on XX/XX/23 and XX/XX/23 led my friend and me to conclude that we simply did not have the means to afford this property with the additional expenses involved. 

We think that the property taxes should have been assessed in a way that more precisely represented the expenses and the ability to afford this house from the start of the agreement. The sudden alterations not only caused difficulties for my friend and me but also placed us in a situation where we feel compelled to complete a deal that we can not afford, or else abandon our sales contract and forfeit our {$10000.00} deposit. If these numbers had been revealed to my friend and me in a more prompt fashion, we would not have contemplated purchasing this house. 

According to the revised figures provided to us regarding the intended date of closure, we do not have the financial means to pay for the mortgage of this house. As a result, it is probable that we will be unable to make our initial mortgage payment and subsequent payments in the future. 

My friend and I request you to carefully examine the details provided as we suspect that the lender provided inaccurate and deceptive information with the intention of enticing us into this agreement. 

Thank you.
Consumer complaint received 2023-03-16
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. (GA)

I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of conviction of crimes which antedates the report more than seven years.

U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX Account number : XXXX Reported XX/XX/2018 on my Transunion consumer report. XXXX XXXX XXXX have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXXXXXX XXXX.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.

Late Payments Also the Consumer Reporting agency is reporting Late Payments on this account. Late payments are illegal.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report.
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

CREDIT COLL ( Original Creditor : XXXX XXXX ) Account XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-10-20
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)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2023-10-13
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-20
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. (IN)

Set an auto-payment for XX/XX/2023 for XXXX. Received a confirmation from the servicer that the payment was set up through email. The payment does not go through and the servicer lets me know that my loan is still due so I submit a manual payment XX/XX/2023. I get another confirmation through email that my payment has been received by the servicer for the same amount. 

However, XXXX days afterward I get another email talking about how my payment has not gone through and that it's overdue. I check my account history and see that the XXXX was subtracted and then immediately rejected and refunded back to my bank account the same day. However when I check my bank statements there is no money that was subtracted and then refunded back. 

I made another manual payment today on XX/XX/2023 for the same XXXX and got another confirmation email. We'll see if it goes through. I emailed them at the help center online and called them at XXXX to speak with a rep and got left on hold for a half hour with no one picking up.
Consumer complaint received 2023-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

After the first complaint that was filed on XX/XX/XXXX ( that is currently closed ), Navient reached out to me right on the XXXX XXXX and everyday thereafter. On Monday, XX/XX/XXXX I was able to call Navient back in response to the first complaint explaining to them for the millionth time that I am in a severe financial crisis facing homelesness and am unable to provide them with any payments until employment is secured. I was told there was nothing they could do and that the lowest payment option was XXXX XXXXXXXX, which I am unable to afford as I can not even afford a basic living essentials at this point in time. I told the male employee to please mark this on my account to stop calling me and I would call them when I secure employment and can give them money. 

Not only have they been calling me daily ever since this said phone call, I received a disturbing and concerning message from a random old high school colleague via social media that I have not spoken to in XXXX years a voicemail from Navient looking for me and stating that they had personal business matters to discuss with me and have been unable to contact or reach me for quite some time with multiple attempts to collect a debt. This person/stranger was concerned that something might be wrong and sent me the voice message and is now aware because of this employee of my personal financial matters. The voicemail was to get her to call them back about me, this is not ok. 

Employee name state on voicemail was XXXX with an employee ID number of XXXX. 

Not only has this increased my XXXX, but it has caused undue and unnecessary added stress to my already ongoing financial circumstances impacting my overall wellbeing. I am deeply concerned that no matter how many conversations or phone calls I have with Navient, the harassment will not stop and I am unsure who else they have reached out about this that they think I am associated with but am not.
Consumer complaint received 2023-10-13
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. (DE)

To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all XXXX bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately
Consumer complaint received 2023-10-20
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. (FL)

XXXX XXXX reported our dismissed bankruptcy without prejudice to the three credit bureaus, even though they did not obtain this information directly from the courts ( listed as the " Creditor '' ) There is no " creditor '' in this case as no activity occurred whatsoever regarding this case. Credit bureaus are advising that this will be on our report until 2029 even though no product or service was ever rendered to or by us by anyone or any business at all regarding this case. How can a 3rd party reporting service report a case of owed credit that does not exist? Would that not be considered fraudulent information? 
We have contacted the court, who has let us know that they neither report XXXX verify this information, so the credit bureaus saying they verified the information as accurate can not possibly be true.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

I have an issue with this agency and is doing this complaint on how this company reported an account to XXXX. NATIONAL CREDIT SYSTEMS didn't allow me and the joint person on this account notified by mail, email, or phone call. The information reported in inaccurate. I tried to make numerous to have the creditor to contact me about the accuracy and amount of this debt. XXXX XXXX, XXXX totally ignored my attempts to resolved the issues and went straight to NATIONAL CREDIT SYSTEMS and had the collection agency to immediately report this to all of the credit bureau without following the Fair Credit Reporting Act.
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Nothing has been resolved, every response is the same. It's like they have a AI bot doing the resolving. They are using stalling tactics, I'm using a third party program to handle my disputes that is open to the public. Every letter and email is authorized by me, all letters that are written and sent are all authorized by me with full blown photos of my ID and Social.
Consumer complaint received 2023-10-20
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. (OH)

I have been a victim of identity theft. I noticed accounts opened on my behalf when I opened my credit report. 
Fraud Account needing attention : -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX  XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 Experian CPS XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 Experian XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2023 XXXX
Consumer complaint received 2023-10-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX- Freedom contacted me to streamline and sign up with them. They kept in close contact frequently until I started to have issues with my payment. 

XX/XX/XXXX I was approved for a XXXX XXXXXXXX XXXX XXXX. 1st payment was XX/XX/XXXX. I paid each month until XX/XX/XXXX, I started to get behind due to financial difficulties. 

XX/XX/XXXX - XXXX contacted Freedom to explain the hardships I was experiencing. Per their website, I applied for a hardship. I checked the status almost every day. 

XX/XX/XXXX member portal on Freedom 's website showed, new loan was in progress. 

XX/XX/XXXX- I was locked out of my account online XX/XX/XXXX - member portal showed " your account is in active foreclosure ''. feeling scared I sent a partial payment. I contacted the VA loan technician. I stayed in constant communication with them. I also at this time assigned my sister as authorized representative to assist me. This stress was starting to aggravate several of my XXXX XXXX. 

XX/XX/XXXX - I resubmitted a hardship loan application. I continued to experience periods of not being able to access my account online. 

XX/XX/XXXX - I tried to resume payments since I was able to. Freedom rejected the payment. 

XX/XX/XXXX- the link for the hardship application was showing to " upload bank statement and proof of income ''. I started to prepare those documents, then when I logged on to upload, I was again locked out. 

XX/XX/XXXX- XX/XX/XXXX - I got inconsistent messages from Freedom to include being referred to a single point of contact who never contacted me. Voicemails went unanswered. I started receiving mail from lawyer offices and realtors asking to utilize them to sell my home. A few realtors stopped by to take pictures asking my family what I wanted to sell my house for. the letters have not stopped. 

XX/XX/XXXX - feeling even more scared, I tried to send a full mortgage payment, this was again rejected. The VA notified me the foreclosure was halted until XX/XX/XXXX. I received some letters, others went 'undelivered ' per Freedom stating my previous mailing address in XXXX was causing their letters to be returned. 

XX/XX/XXXX- I was able to log on and saw that same " upload documents link with XX/XX/XXXX date. I tried again the next day and the site read " Oops it's not you, it's. '' I sent the VA all the documents I am submitting to you for this complaint. The VA is under the impression that I only made 1 payment after the modification. They and the post office verified that my mail was no longer being forwarded to my old mailing address. 

XX/XX/XXXX - the VA notified me that Freedom mortgage mishandled my VA XXXX Refund Modification that they granted to me in XX/XX/XXXX. It was not properly administered ; there were significant missing qualifications lacking.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have been a victim of identity theft. I noticed accounts opened on my behalf when I opened my credit report. 
Fraud Account needing attention : -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX CPS XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX
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. ()

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.