davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (GA)

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : These inquires were never authorized by me and there appears to have been some sort of improper practice of procedures without permission. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries ( some by the same companies again and again ) have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life. Here are the companies and dates of occurrences : Experian : The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXE Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

On XX/XX/XXXX I received a claim check for roof damage on my home. After deductible was removed, the check amount was for {$3900.00}. I found and paid a contractor to perform the roof repair in XX/XX/XXXX. I submitted the insurance information as well as the endorsed check to my mortgage company. I submitted a paid receipt and " no lien '' statement from the contractor, an inspection was done by the mortgage company and they did a verbal with the contractor at that time. Per conversations with the mortgage company, once that process was complete, they could release the money. Now they have decided to require original bids from the contractor which I did not get. The work done is even listed on the document that he sent in and the roof has been inspected. They claim that they can require more from me than what is in writing for a claim under 10 K, because I was late on the mortgage at the time of the loss a year ago. I understand that IF I had not already had the work done. I am also NOT late on the mortgage now. The mortgage company is at 0 % risk. I have completed the work, used a contractor, paid my mortgage and just want to be given what is MINE. I pay my home insurance premium to be insured not so that my mortgage company can cash my check and collect interest on my money. The following is the word for word statement in Carrington Mortgage 's Claim packet of required information for a claim under 10 K.

" What do I need to provide if my loan is current and my net claim is equal to or under 10,000?

If your loan is current and your net claim is equal to or under 10,000, forward your un-endorsed insurance claim check along with a copy of the insurance estimate for the claim. If the above is confirmed, we will endorse your check and return it to you via regular mail with the USPS unless a prepaid envelope is provided.

What documents are required? *Un-endorsed Insurance Claim Check * Insurance Adjuster 's Damage Estimate '' I would greatly appreciate some help in this matter.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (PA)

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 2023-07-26
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (IN)

Im tired of going back and forth with XXXX XXXX  about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including Experian, XXXX and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to defamatory of my character is making my life XXXX. I have to work more hours and spend less time with my children. Im stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

In 2007 the XXXX account went into collections due to my XXXX and XXXX   XXXX stemming from my military service during the XXXX war era. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (NY)

My friend told me that American Honda Financial Services is deferring 2 monthly payment as an economic relief measurement during beginning of COVID-19 pandemic. On XX/XX/XXXX, I called Honda Financial Service and asked them about the deferral. They deferred my payment for 2 months, without explaining me on how interest will be charged and so on. My loan maturity date was XXXX but pushed to XXXX, which I understand. I made all payments upto XX/XX/XXXX. I thought I paid all my loan agreement money. 

Unfortunately, they are saying now that I owe them {$1100.00} extra, i.e., basically $ XXXXmonth interest for those two months deferral period. I keep asking myself, if I have to pay an extra {$550.00} per month for those 2 months ( COVID-19 relief deferral period ), is it considered as a pandemic economic relief provided by the Honda Financial Service ? My monthly payment is {$770.00}. I could have borrowed loan from my friend and had paid {$770.00} at that time rather than paying {$550.00} interest per month now. This odes not make sense to me. 

They never said anything about interest over the phone. I did not sign disclosure or anything like that. I asked them to play the recording from XX/XX/XXXXXXXX XXXX They say they do not have it because they changed the system. Every company has a data retention policy. They can not loose data because they changed the system. This is not the right thing to do.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX, current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have 2 credit cards with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  I have all paid these cards for months, I use them and pay, however, in XXXX I downloaded my credit report because XXXX XXXX  did not report my payments to the credit bureau, I called the bank and they told me that they were changing the system and that I had to errors and they would fix it soon, then they updated the information. Today, XX/XX/XXXX, I receive an experian alert where I lower my credit for not paying the XXXX  and XXXX  card. and always paid them up to date. review and they do not report since XXXX and XXXX respectively. It is as if I did not pay up to date and my credit goes down instead of going up. Please can you help me.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (MA)

i have costanly told experian XXXX and transunion that the inquirys that have no connection or that or not linked to an account should be taking off my report i didnt do it im having fraude going on because of the breach that happen with XXXX my info has been found over XXXX times and i dont know how to stop this
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had a quicksilver credit card with Cap one credit card that was closed a long time ago, just paid off on XXXX XXXX, XXXX, they charged me interest fees on thst XXXX fir XXXX, one month late charge XXXX for one day late, next month one day late XXXX, charged me XXXX on the XXXX it is ridiculous
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.
Consumer complaint received 2022-12-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

On XX/XX/22 I tried to open a new checking account with XXXX, and I was notified that my credit on Experian was frozen even though I didn't have it frozen. I tried to reach out to Experian during their listen business hours multiple times, but their automated system came up and did not allow me to use the option to speak to a representative to resolve this issue. I also was unable to access it via the website, and when I submitted a request to change my username/password, the email they suggested they were sending it to was not one that I recognize. I have a limited window for the new account bonus with XXXX, so it is having a financial impact on me to not be able to access this, and I really don't appreciate Experian 's lack of communication. I would greatly appreciate help in accessing my account or unfreezing my report, as is my right to do so. 

Thank you for your time. 
XXXX
Consumer complaint received 2023-06-24
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. (FL)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

On XX/XX/XXXX, I noted an erroneous collection on my perfect score credit bureaus reports, contacted collection agency regarding error as well as provided reference number to show proof of payment which occurred over 8 months ago on XX/XX/XXXX. It's been over three weeks and no action has been taken and negative info sits on my Bureau reports. on XX/XX/XXXX. I contacted the original creditor ( XXXX ) who indicated to me that thaqt particular collection has a XXXX   balance and to contact the creditor for resolution. this is a circle as they told me to contact the original creditor despite having proof of payment on my credit card statement. 

What's sad is that I'm in the middle of a mortgage that was pulled when my scores where above 700 which was not only the qualifying amount but also a decent interest rate. 
now do to this collection, my scores dropped a minimal of 36 points across all three mortgage lending reports, ie 2,4,5, .Not only am I filing this report under unfair practices but also under financial harm to me as a result of credit scores drop. which will impact me on obtaining the mortgage or interest rate increase to me.
Consumer complaint received 2017-08-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

A claim was filed with the insurance company in XX/XX/XXXX to replace the roof on the home. The adjuster provided payment to the mortgage company in XX/XX/XXXX. As of XX/XX/XXXX the mortgage company refuses to provide to the contractor in order to make the approved repairs. The mortgage company has deposited the funds, collecting interest on the funds, and risking further damage to the home by not releasing adequate funds for repairs.
Consumer complaint received 2024-03-06
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. (NC)

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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-12-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/22 -- Disputed a Public Record item appearing within my credit file with Transunion as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the US Bankruptcy Court Middle District of Alabama XXXX The original furnisher ( s ), the US Bankruptcy Court Middle District of Alabama, do not report to any credit reporting agencies to include XXXX, XXXX, Transunion, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to Transunion stating the information being reported within my credit file with their company as verified and accurate is an error or a lie.

Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. **