davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX    XXXX   reported the account closed and unused to ChexSytems since    XXXX    2014    yet ChexSystems continues to report an overdrafted balance and an unclosed account from  XXXX  of  2014  and is stopping my ability to open a credit union account and pay my landlord rent.
Consumer complaint received 2023-01-06
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. (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 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 2023-05-19
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: Experian Information Solutions Inc. (OK)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-19
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. (PA)

So, I have asked for method of verification on this XXXX account XXXX and still have not received anything. How can an account that you both are reporting come back as verified and accurate, have two different last active dates? Please help me understand how you verified this account and provide me the payment history. Delete this account as it belongs to my son. it also reports inaccurate after confirming it's been verified as accurate.
Consumer complaint received 2022-11-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

This company refuses to send me an updated mortgage stat so I can provide it to Florida Department Of Economic - Homeowners Assistance Funds. I have asked and is ret with resistance I asked for a statement and they tell me Im on a coupons that do have. They sent me coupons back In XXXX  and nothing since. The have I need the Mortgage statement for XXXX or XXXX ASAP. My email address is XXXXXXXX XXXX XXXX  fax number XXXX Account number XXXX. Cardinal Financial is refusing and blocking me from receiving help from XXXX. Telephone number XXXX. Times is not on my side
Consumer complaint received 2023-04-17
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. (FL)

I see in my report 30 inquires I never apply for these lender non have my signature I try to contact trans union to remove the inquires they refuse they said I need to contact all the lender and I try to dispute item in my report the never respond to me and it been over 2 month
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Homeowner is currently foreclosure and, by and though his XXXX counselor, XXXX XXXX XXXX, has submitted a completed loss mitigation package. In XXXX XXXX XXXX XXXX confirmed with Nationstar that a full and complete modification packet had been submitted. On XXXX XXXX and XXXX XXXX, XXXX XXXX contacted Nationstar to re-affirm that the loss loss mitigation was complete and under review.Meanwhile, the foreclosure sale had been reset seven ( 7 ) times in anticipation of Nationstar making a decision on the loss mitigation application However, before Nationstar informed Homeowner whether he was approved for a loan modification to reinstate the loan, Nationstar informed Homeowner that the loan was transferred to Sharepoint on XXXX XXXX, XXXX. Homeowner has since been advied that the will need resubmit his application for a loan modification to Sharepoint. Because of Nationstar 's blatant disregard for the servicing loss mitigation rules, Homeowner is at risk of losing his home. Furthermore, Nationstar failed to advise client or his XXXX Counselor as to whether Homeowner was approved or denied for a loan modification.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (AL)

I sent a letter to XXXX, XXXX and Experian disputing unauthorized inquiries that are being furnished on my credit reports. XXXX immediately removed the inquires but I received a letter back from Experian stating they were not able to locate my credit information and I received a letter from XXXX stating they were unable to verify that I was the one who sent the letter when I attached my ID to all 3 letters. I am reattaching the letter I sent as well as my government issued ID.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I would like to file a complaint regarding entries on my credit report which is a violation of FCRA 1681i and 1681n : " # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. '' Capital One is reporting different amounts with XXXX reporting agencies ( XXXX, XXXX, and XXXX ) which is having a negative impact on my credit. I have tried to get this resolved with the company without success. As a result, I would like to have this account removed from credit report.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, Someone opened a Kohls/Capital One in my name twice and I did not find out about it until my credit score recently went down significantly by about XXXX points. 

They closed the card, but they are not paying their bills. This resulted in my credit score decreasing. 

The first card was opened on XX/XX/XXXX. This account was closed by them with a balance of {$0.00}. 

The second card was open on XX/XX/XXXX. It was closed by them on in XXXX, XXXX with a reported balance of {$2500.00}. 

I called Kohls, but they could not find these accounts in their systems since I was not able to give them the credit card account number because I have no access to those Kohls/Capital One cards. 

I attached my credit report in this email. In the email, I highlighted the sections about the Kohls/Capital One report. 

I have never been late on a payment. 

Please help me remove this from my credit report, so my credit score can get back to normal.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (IL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (MD)

The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.
Consumer complaint received 2024-03-29
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. (IL)

Throughout the history of this account, I've consistently made sure payments are made on time, never allowing them to surpass their due date. However, I'm perplexed by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, such discrepancies should be rectified.
Consumer complaint received 2023-03-02
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

Today XX/XX/2021, i received by mail a package fromTD Bank XXXX with checking book, account number XXXX under XXXX XXXX phone number XXXX XXXX : i did not request any opening account at TD bank ; I called XXXX, I spoke with XXXX, and reported fraud activity. I contacted the local bank XXXX XXXX where the account was opened, I spoke with XXXX, he confirmed the account was opened as email request on XX/XX/XXXX, and no current activity reported ; I requested to close the account, and verification of the closing account. 
I called Privacy Assist Services ; they notified me that there is a request for loan under my name for US Small Business Administration for a " beauty salon '', " XXXX XXXX XXXX and XXXX '' with a phone number XXXX XXXX is the name and phone number used at TD Bank, and is the same line of business for the loan request. 
i place a fraud alert on XXXX, with extension to XXXX XXXX
Consumer complaint received 2017-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

I am filing a complaint on Nationstar for their deceptive, unfair and abusive loss mitigation practices. I am requesting Nationstar do the right thing and give me the mod they have promised. Please see the attachments with Compliant, Modification Approval Letter, Signed and notarized Mod Package and Denial Letter.
Consumer complaint received 2023-05-19
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. (OR)

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 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 has violated my rights. 

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 2023-05-19
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. (FL)

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file which is listed below. 
XXXX XXXX XXXXXXXX Balance : {$460.00}
Consumer complaint received 2020-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I contacted Transunion with a dispute on my credit report on XX/XX/20. They sent me an email that said the dispute had been resolved and I could see the results from their website. I am unable to log in to their website, have emailed them ( because of covid19 they are unable to answer emails ) have called and waited 2 hours for a rep to answer. The reps are from foreign companies and have very obvious accents that are hard to understand, they respond that because of the virus they do not have enough staff, they are unable to see the results of my first dispute because it has been deleted. I filed a second dispute because the same creditor was on my report 2 Times and still shows up. I have requested written copies of the results of both disputes. It should not be that hard to contact Transunion and get your results even if there is a pandemic going on.
Consumer complaint received 2023-03-02
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : {$XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-08-02
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: CORELOGIC INC (SC)

PLEASE REMOVE UNLAWFUL, HARMFUL, AND FRAUDULENT INFORMATION FROM THIS THIRD PARTY CREDIT REPORT. IT IS FRAUDULENT AND NEEDS TO BE REMOVED.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McNeil & Meyers Asset Management Group, LLC (TX)

Debt collector call once and asked me what would your boss think about you not paying back your obligations? I have a saved voicemail stating that the company would be moving forward against me in my county and if I wanted to avoid litigation I needed to call them to pay my debt.
Consumer complaint received 2023-02-15
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. (NC)

I have asked that my reports be reviewed and verify everything on my reports as being accurate. I have viewed the reports and has found improper inconsistencies. 

In the accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A It also states that a consumer reporting agency can not furnish a account without my written instructions.