davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00}
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is reporting XXXX XXXX XXXX late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. Experian has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and Experian is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. Experian states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since XX/XX/XXXX.
Consumer complaint received 2023-09-08
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION (TX)

An identity theft report was filed by me on XX/XX/2023 stating that this account was opened without my consent, and that the balance on the account does not belong to me. Sallie Mae responded with contradictory information riddled with discrepancies and used that inaccurate information to claim that the loan was opened by me. I responded with a letter pointing out their numerous inconsistencies in their validations, and even sent a copy of a letter from the University where they claimed the loan was used that confirmed I was not in attendance during the term the loan account was opened. They responded with a letter stating that an investigation would be reopened, however they have not made any attempts to remove the account from reporting to the bureaus, which is in direct violation of the provisions set fort within the FCRA specifically 15 USC 1681 s-2 ( a ) ( 6 ) ( b ). Furthermore, Sallie Mae is in direct violation of 15 USC 1681 s-2 ( a ) ( 1 ) ( A ), since evidence of errors have been brought to Sallie Mae 's attention, and Sallie Mae has sent a response stating that they are investigating these errors, that is evidence of knowledge to these errors. This provision prevents the reporting of known errors. Additionally 15 USC 1681 s-2 ( a ) ( 1 ) ( B ) prohibits reporting after notice and confirmation of errors This is yet another provision in which Sallie Mae is again in violation of. If these errors are not remediated immediately, I may have to take it upon myself to pursue legal action.
Consumer complaint received 2024-03-12
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)

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 XXXXXXXX and any late payments from merchants 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 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.

It Is not the consumers responsibility to help credit bureaus to do their jobs. I already went into credit karma and updated my address which means, the credit bureaus information is not complete or accurate on my credit accounts.

Furthermore, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their lively hood. 

Best, XXXX XXXX.
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (CO)

BMO purchase Bank of the West but is not supporting account holders in getting this document. It is not available on client portal site. Nobody on phone seems to know how to get it to me. I've spent hours on the phone for this very simple request.
Consumer complaint received 2023-09-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LoanCare, LLC (CA)

I have two houses that the mortgages are serviced by Loan Care. The houses are rentals that has one policy that covers both houses. This has been this way since XXXX I got a letter in both XXXX and XXXX from LC that they had not received proof of insurance. On XX/XX/XXXX and XX/XX/XXXX I faxed LC a copy of the policy. On XX/XX/XXXX and XX/XX/XXXX I emailed thru their portal a copy of the policy Today I received an email that LC escrowed {$3400.00} for insurance We had this problem 3 yrs ago with LC. My credit report shows 22 late payment because I would not pay the placed insurance. An attorney was hired, {$11000.00} approxiatemly, to rectify the problem. So LC has done it again. Plus LC will not fix my credit even though LC admitted insurance coverage was always in place Thanks
Consumer complaint received 2023-06-17
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. (NJ)

My name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX are NOT my accounts. Please REMOVE THESE ACCOUNTS AND THE NAME XXXX XXXX OR XXXX XXXX XXXX. MY name is XXXX XXXX XXXX Also please IMMEDIATELY REMOVE THE FOLLOWING INQUIRES WHICH ALSO ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
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. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX paid in error 2 years in a row. I have called and emailed twice this year. Last year the same and told it would be taken care of. 

I am due 2 years flood back pay. The flood is part of hoa, XXXX floods not needed.
Consumer complaint received 2023-07-13
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. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Revenue Assurance Professionals LLC (TN)

I recently disputed three collection accounts with XXXX. After checking my previous credit report ( XX/XX/XXXX ) with my most current dispute ( XX/XX/XXXX ), it appears that the accounts have been re-aged, which is illegal.The collection reported date on my most recent credit report is XX/XX/XXXX for all accounts being disputed. The previous report dated XX/XX/XXXX, shows the collection reported date as XX/XX/XXXX. I have asked the original credit to provide me with documents confirming this account belongs to me. They have failed to do so. Each disputes comes back verified by XXXX. I do not believe XXXX is verifying these accounts. I have attached both credit reports with the account in which I am submitting a compliant for.
Consumer complaint received 2023-09-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NC)

On Wednesday, XX/XX/XXXX, I attempted to log in to my CITI account. Previously, I was able to log in and access both my CD account and credit card account under the same log in. I spent at least 3 hours on the phone, being bounced around between departments and people. I spoke to at least 10 different people on the phone and even more through their chat services. After wasting half of my day to this, I was finally able to log into my account again, but found I was only able to see my credit card. On XX/XX/2023 and XX/XX/2023 I have tried 10+ times each day to attempt to regain access to my CD. However, nobody has been able to help me. Everyone just transfers me to someone else. Nobody is able to tell me what has happened either.
Consumer complaint received 2023-09-08
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. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-08
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)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted : Account Name and Account Number : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, State, and Zip : XXXX WI XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX ALL RIGHTS RESERVED
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information. The below account has not been properly validated or verified. There are several inconsistencies on the account XXXX XXXX XXXX Account # : XXXX. 

XXXX XXXX XXXX Account Status : Closed Derogatory Derogatory Date Opened : XX/XX/XXXXXXXX  XXXX XXXX Balance : {$0.00} {$270.00} {$0.00} High Credit : {$270.00} {$0.00} {$0.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$270.00} {$0.00} Payment Status : Unknown Collection/Charge off Wage Earner Plan Last Reported : XXXX XXXX XXXX Comments : - Unpaid balance reported as a loss by the credit grantor. 
Account involved in XXXX XXXX debt adj. 
Credit card Included in XXXX  XXXX Date Last Active : XXXX XXXX XXXX  Date of Last Payment : XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

15 U.S. Code 1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and legder entries of the account from the date of account opening as described in Publication IRS 583.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

On XX/XX/2023 I sent a RFI Letter to Loan Care and one to XXXX XXXX as of XX/XX/XXXX I have gotten no response I do believe that these servicing companies are predators who make their money by setting up people to loose their homes banks should not be allowed to sell your mortgage to these companies
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX And other 19 accounts XXXX XXXX
Consumer complaint received 2023-02-11
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. (SC)

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. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # 41 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 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.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc. (FL)

I was contacted via mail by A.R.M. Solutions, Inc. about an alleged debt for the amount of {$390.00}. I do not have a contract with them that would give them grounds to collect any debt from me, and yet they claim that I owe this debt. Due to the fact that they have contacted me without my consent, A.R.M. Solutions , Inc. has infringed on my right to privacy as a consumer. On XX/XX/2023, I mailed an Affidavit of Truth to A.R.M. Solutions , Inc. outlining {$6000.00} in violations that I discovered on their document dated XX/XX/2023 from their initial contact with me. I also attached an invoice for that same amount of {$6000.00} in damages to be paid to me by check. They received both documents on XX/XX/XXXX, evidenced by USPS tracking # XXXX. A.R.M. Solutions , Inc. has failed to rebut my affidavit with an affidavit, nor pay my invoice, resulting in a default on their end. On XX/XX/XXXX I mailed to them a Notice of Default and Opportunity to Cure, granting them 10 days from receipt to pay my {$6000.00} invoice. I am eagerly awaiting my payment.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.