davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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)

Notice to Agent Notice to principal Notice to CFPB In the matter of the listed items below on the credit file please accept this as a formal notice. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Alleged accounts : XXXX XXXX XXXX XXXX  ALLEGED ACCOUNT # XXXX Address : XXXX XXXX XXXX XXXX, XXXX  Alleged Inquiries : XXXX XXXX XXXX XXXX XXXX  Please delete and block items listed above in the next 3 days Thank you
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal and XXXX XXXX  submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.
Consumer complaint received 2024-03-18
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 disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiry that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-18
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. (MD)

Per IRS Publication 4681, Charge-Off 's are income and income is not permitted to be reported on ANY Credit report ( s ).

This account is a " Charge-Off '' and is in violation of the FCRA & the FDCPA it needs to be removed from ALL of my Credit Reports/Files immediately .

Also, I am invoking my GOD given right as a consumer to exercise my right to Opt-Out of ANY communications the Creditor ( XXXX XXXX XXXX ) may have had or is having with and reporting to third party corporations ( Experian, XXXX, XXXX ) XXXX This is part of the Privacy Act of 1974, in which my rights have been violated and needs to be remedied, as soon as possible.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i received my credit report on XX/XX/2023 and notice there were hard inquires that don't have permissible purpose to be on there these hard inquires are hurting me for getting approved. 
i already reached out to the credit bureaus about this they keep violating my rights under 15usc1681b these hard inquires that don't have no purpose to be on my credit report.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (CA)

I am a XXXX year old veteran who served the United States XXXX during the XXXX XXXX. I am also a XXXX XXXX XXXX XXXX  XXXX. I have served my Country and Community my entire life. I am currently a XXXX   XXXX. I have been unable to get my Mortgage company to send my statements to my correct Residence in XXXX XXXX XXXX instead of another address where I do not live XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is the Property Address. I very rarely see my mortgage statements because I do not know how to use a computer correctly. My son has set up an automatic payment so we can prevent further issues but in the mean time since I was not receiving my statements this caused me to miss 2 payments this year XX/XX/2018 and XX/XX/2018. I was sending my payments through mail when I would remember to do so because I was not getting my statements so I didn't know when to send. I am now in need of major medical XXXX and I need to be able to get some cash out of my one of my houses and cant now because of this issue. If it is not resolved in a timely manner I may die. Please help
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (WI)

In accordance with the fair credit reporting act, equifax and XXXX display XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! 
15 U.S.C 1681 sec 602 A. States,, I have the right to privacy. 15 USC 1681 section 604 A.section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-18
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. (TN)

According to my credit report, I noticed my privacy rights were violated. 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 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 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. The accounts that are in violation of my rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-13
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Rent Recovery Solutions (LA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6:2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lending Club Corp (MN)

I called this company I explained to them that the lending club loan that I had was supposed to be vacated because I am on Social Security XXXX and needs-based aid all other companies that I had had to file this with because I have become unemployable for quite a long time had taken the steps to dissolve the debt and to write it off this company purchased this debt from the lending club loan company and is trying to illegally collected from a Social Security recipient Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the Lending Club has taken the steps to do this and they were sent to the proper documentation showing that I am a needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they are Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the lending club has taken the steps to do this and they were sent the proper documentation showing that I am on needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they arePracticing actions that are considered against the law
Consumer complaint received 2023-11-27
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. (NJ)

I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately, I have never had late payments on any of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect
Consumer complaint received 2023-06-07
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. (MS)

I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TN)

Hello, My mortgage company, Mr. Cooper Mortgage, moved me to a lender forced homeowners insurance policy XXXX XXXX XXXX XXXX ) in XXXX of 2017. I first discovered this a few weeks ago when Mr. Cooper had sold my mortgage to XXXX XXXX. When reviewing my new bill from XXXX XXXX, I noticed that my escrow account had a shortage of {$2700.00}, and my monthly mortgage payment had gone up by {$390.00}. Six months had gone by without me knowing that I was placed in a lender forced homeowners insurance. 

I contacted my insurance agent at XXXX XXXX and he said nor him or his company had ever received any communication regarding insurance verification from Mr. Cooper Mortgage. XXXX ( my insurance agent ) and I called Mr. Cooper Mortgage company together and a representative from their hazard insurance center stated they made two attempts to call XXXX XXXX to obtain a declaration page and verify my homeowners insurance. Those attempts were apparently made on XX/XX/XXXX and XX/XX/2017. However, XXXX and XXXX XXXX made it very clear that no communication from Mr. Cooper, written or verbal, was ever received. The Mr. Cooper Mortgage rep then stated on a recorded line : We have documentation in our system that states the calls were disconnected. We asked for documentation of the two attempted phone calls and Mr. Cooper Mortgage was not willing to provide it. We also asked if the calls were disconnected, why didnt you try calling back? The rep did not have an answer for us. XXXX further added that nor him or his company would ever verify someones insurance over the phone, that it always has to be done in writing for documentation purposes. And because Mr. Cooper stopped paying my XXXX insurance policy, XXXX dropped my coverage. So unfortunately I cant provide proof of insurance since there was a laps in my coverage. 

The Mr. Cooper Mortgage rep also stated that a letter was sent to my home to notify me of this change in insurance which I NEVER received. The lender forced insurance they provided me was {$2700.00} annual, which was almost 4 times the amount I was paying for my previous policy through XXXX XXXX. This is price gouging, bad business and Mr. Cooper Mortgage clearly has an interest in moving their customers to their lender forced insurance partner. And both companies happen to be located in XXXX, GA. 

Mr. Cooper Mortgage made little to no effort to verify my insurance or notify me of my laps in coverage. They are intentional with their poor insurance verification process and are taking advantage of their customers. Now I am stuck with a massive mortgage payment and 6 months of lender forced homeowners insurance that I never authorized or knew about in the first place. I am not an insurance expert, but I know that I am not at fault here. I feel very taken advantage of and wish to file this complaint against Mr. Cooper Mortgage regarding their manipulative business practices.
Consumer complaint received 2023-09-15
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: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX I have a hard inquiry from sycn/sam XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX, on 7XX/XX/XXXX I have 2 hard inquiries One from XXXX XXXXXXXX and one from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.
Consumer complaint received 2018-09-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Pacific Union Financial, LLC (PA)

My wife and I were in the process of selling our home at XXXX XXXX XXXX XXXX, PA XXXX to the new buyers and kept getting pushed back on closing for no justifiable reasons. Our initial closing date was XX/XX/2018, on XX/XX/18 after we moved out of the property preparing to close we were told closing was going to be pushed back 7 to 10 days. That time came and went without a reason and run around from the company. They refused to process paperwork sent to them or give an accurate reason on why we were delayed. Closing was then pushed back to XX/XX/18, then XX/XX/18. then XX/XX/18 and then finally today we actually had our closing which was over a month past the original closing date. The originator for the loan completely drug their feet which put us out of our house for over a month more than necessary and gave us 2 days notice that the closing would be delayed. This cause an extreme amount of stress on my family due to being cramped into my parents basement which was only supposed to be for a week initially since we were unable to purchase our new house until the closing on the old house was complete. This also caused us to lose thousands of dollars worth of our belongings and personal items because my parents garage flooded with all the rains we had which happens, but ultimately our belongings should never of had to sit in their garage for over a months time while people were lying to us and not doing their jobs.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (IL)

On XX/XX/2023 Citi sent a letter stating they needed total annual income in between that time on XX/XX/2023 I received another letter they are unable to approve application I have reason to to believe that decision was determined on a biased conclusion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XXXX It is a civil rights violation for a person who offers credit cards to the public in this state : ( A ) Denial. to refuse to issue a credit card, upon proper application. Equal Rights under the law. I the consumer and XXXX XXXX was denied credit by Citi when I applied for a card to use for personal and household purposes. My Social Security number was used to process that application which is an open end credit card pursuant to 15 U.S. Code 1602 ( i ) served as a financial asset. It is now considered an unauthorized use since I have received NO BENEFIT. I made that application in good faith, but credit was not issued. This is all evidence of fraudulent activity.
Consumer complaint received 2023-10-12
Product: Credit card — Store credit 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: Affirm Holdings, Inc (AR)

Ordered ( 2 ) mattress and foundation sets from XXXX on XX/XX/2023. Delivery date was XXXX XXXX. XXXX XXXX  received on set, but said they hadn't received the other set. Then both XXXX and XXXX XXXX  kept promising dates but never delivered. I called XXXX and emailed them ( many times ), and never did receive the 2nd set, so I cancelled the second set. We charged these to Affirm while we are building a new home. After many emails, calls, and even speaking with them, I have not received the refund. Now Affirm is saying the " complaint '' I filed ( 3 of them now starting in early XXXX, is over the 60 days and they can't do anything. I told Affirm that I will not pay any more to their account until I see a refund, and sent XXXX the same message. They are both a bunch of inept customer support groups.