davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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. 

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. 

If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Who certified the information to be true and factual? 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (VA)

I was sent to the XXXX XXXX XXXX XXXX  on XX/XX/XXXX of XXXX and stayed XXXX until XX/XX/XXXX of XXXX in XX/XX/XXXX I took steps to recover my chime account by updating my email and phone number to my new information so that I could reset my password to have access to my account once I went through the verification process of updating my information and changing my password when I logged in, I realized that the state of Florida had deposited about {$2000.00} of my backpay for my unemployment into my chime account and that a person by the name of XXXX XXXX XXXX, somehow gotten into my Chime account and sent the money to her own self. XXXX at the time was my girlfriend and I believe that she took one of my old cell phones and access my account that way because she did not have my card or my permission to use my account. She stole over {$2000.00} from me and when I reported it to Chime, I also submitted documentation of my XXXX the dates of XXXX, and within seven hours they denied my claim and did not even investigate is clearly showing that the charges were made while I was XXXX and I had no way to make the charges myself and I did not give her permission nor did I even know that the money was deposited into my account until I signed in in XX/XX/XXXX is when I realize that the money has been stolen
Consumer complaint received 2023-08-15
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-03-11
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 am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nation Star bought my mortgage loan from XXXX XXXX Bank, XXXX. 
The original term on the original loan document stated that when the LTV drops below 80 % customer can ask to remove the PMI, or it will automatically drop at 78 %. XXXX XXXX XXXX XXXX Today, Nation Star said no because their LTV value is set at 75 % for them to drop the PMI. They will continue to collect the XXXX premium for additional 5 % of the LTVXXXX XXXX I am sorry that Nation Star should have known when they purchased somebody 's contract, all the terms in the original contract prevail.
Consumer complaint received 2023-08-15
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. (CA)

My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (KY)

Despite making phone calls, mailing off documentation, and submitting documentation via their online portal on XXXX separate occasions over the last XXXX days, Early Warning refuses to release or provide documentation on my personal credit profile/report. They do provide a convoluted system ; you have to register with a third party, with instructions provided over a XXXX, which expires after 30 days or XXXX logins. From there, you can submit various documentation to begin the request process. 

This is XXXX, confusing, and often fails to generate any response from the company.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MO)

I filed bankruptcy in XXXX, I reaffirmed my home, signed by my former mortgage company and my lawyer on XXXX. My mortgage company XXXX XXXX XXXX XXXX went out of business and has been acquired by Nationstar Mortgage, I just found out that when I reaffirmed my home on XXXX it was never reported to the credit bureaus and looks like I have had no mortgage for an entire year. Therefore my credit is not improving and I 'm paying for my home all this time and in the eyes of the bureaus I have no mortgage. I have been tryng to work with Nationstar to correct this since XXXX, I have faxed over my signed court reaffirmation papers and they still ca n't seem to report this information to the bureaus.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (WI)

Good morning, We're filing this complaint to bring to your attention the extremely nefarious manner in which Selene Finance is handling our request for a loan modification - There is a sale date on our home, scheduled for XX/XX/XXXX and we were certain to make sure that we submitted all documentation before the 35 day cut off requirement, to be reviewed for modification. 

- We originally submitted ( emailed ) 57 pages of documentation on XX/XX/XXXX ( 38 days PRIOR to sale ) - Receipt of those documents was CONFIRMED on XX/XX/XXXX, by XXXX, at Selene Finance. She claimed that the email was received, however, the documents could not be uploaded and recommended that we follow up the next day - We followed up on XX/XX/XXXX and spoke with XXXX, who confirmed once again, that the email was received, but the documents still could not be uploaded and recommended that we attach the documents individually to a new email - We sent an email on XX/XX/XXXX ( 37 days PRIOR to sale ) and on XX/XX/XXXX, we confirmed with XXXX that all documents were, in fact, RECEIVED ON THE XXXX and that our file was being set up for review - I've just hung up the phone with XXXX and she informed me that a letter was mailed out yesterday, denying our request for modification - claiming that documentation was not received within the 35 days prior to sale time frame. 

This is absolutely FALSE and in violation of XXXX XXXX XXXX guidelines! 

Kindly assist us with this, before we're forced to approach the Wisconsin Attorney General 's office and file legal action against saline. This current action is just an ongoing series of deceptive business practices and Federal fraud on their part I've attached screencaps of ALL emails ( with dates of transmission ) and notes from every conversation regarding this matter I can be reached at any time at XXXX Thank you for your help with this, XXXX XXXX
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX & XXXX ) ( XXXXXXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX & XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX & XXXX ), has violated my rights .

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 2024-03-11
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)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2023-08-15
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (CO)

On XX/XX/2023, I opened a new checking account and savings account at PNC Bank. 

On XX/XX/2023, I initiated an online external transfer using PNC Online Banking to transfer {$1100.00} into the new checking account from my previous XXXX XXXX Checking account. The website showed that the account was set up and ready to go, and that I needed to add funds to the account. 

On XX/XX/2023, the {$1100.00} was withdrawn from/cleared my XXXX Checking Account. 

On XX/XX/2023, the remaining funds were withdrawn in-person at a XXXX XXXX location , and the accounts were closed. 

On XX/XX/2023, I was notified via email that the original {$1100.00} transfer to PNC had failed due to my new checking account being put on hold pending identification verification. 

I was informed by PNC customer service reps that external transfers could not be completed until the ID verification took place, which was not stated anywhere on the website. The representatives informed me the funds from the failed transfer were going to be returned to XXXX XXXX and I needed to work with XXXX Bank to resolve the issue. 

On XX/XX/2023, XXXX XXXX  confirmed the funds tried to return to the closed Chase account, but the bank did not accept this as the account was closed and automatically sent the funds back to PNC Bank on XX/XX/2023. XXXX XXXX  informed me I would have to work directly with PNC to get this resolved. 

On XX/XX/2023, I was assigned a case manager with PNC Bank and informed they would be doing an investigation that would take 10-15 business days to complete. I received no further updates. 

On XX/XX/XXXX, I called the PNC case manager who had not gotten back to me, and he informed me the investigation was not started because it was determined it was XXXX XXXX XXXX responsibility to figure this out. 

On XX/XX/XXXX, I spoke again with XXXX- who again stated this was out of their hands and no additional activity had been seen since they sent the money back to PNC on XX/XX/XXXX. They provided the trace ID for that. 

On XX/XX/XXXX, I got assigned a new case manager at PNC Bank and provided the trace ID for them to look into it. Sounded like it wasn't going to go anywhere, they were alluding that it was XXXX 's responsibility, again, but that they would look into it. 

As of XX/XX/XXXX, I have not heard back and have been unable to get ahold of the case manager.

It's now been over one month, and neither bank can find the money and it has never shown up in my account.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights to privacy. 

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 : 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 items of information, other than the 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 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by Transunion. In XXXX of 2021, I identified multiple inaccuracies on my credit report and disputed them immediately. I found multiple mistakes on payment dates, the number of days late on payments, dates of first delinquency, and account numbers. I printed out the report and circled all of the inaccuracies and sent them in with my dispute letters. Per the FCRA, the bureau must conduct a proper investigation, which includes contacting the data furnisher directly to obtain specific documents, such as the signed original instrument of indebtedness, that verify the accounts belong to me. I do not believe a proper investigation was conducted. Any human who examined those documents would have clearly seen these inaccuracies that I pointed out and either corrected them or deleted the accounts in their entirety. This was not done. I believe that Transunion scanned my personal financial information through a third-party system called e-Oscar without my consent. This violates my right to a proper investigation of my disputes. Transunion has failed to produce a single document proving that the disputed items are being properly reported on my consumer file. Most egregious of all, Transunion is aware that they only have 30 days to conduct an investigation and respond to a dispute. If they fail to do this in 30 days, they must delete the disputed items from the consumers credit report. Transunion failed to respond within that time frame on three separate occasions, but they refused to follow the law and delete the disputed items. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. I have been fighting them for over two years to correct these violations, but Transunion has outright refused to follow the law. It has been so long that many of the accounts that I disputed have now reached both the federal and state statute of limitations, yet Transunion still refuses to follow the law and remove them. I have done my due diligence and made sure that Transunion was made aware of their violations of the law and was given a chance to fix them. I have amassed sufficient evidence to prove my claims and will attach some of it to this complaint. At this point, after all these years, If Transunion does not remove the disputed items from my credit report, I will have no choice but to take legal action to resolve my grievances. So, two and a half years later, I am looking forward to taking you to court and finally putting an end to this nonsense. The paperwork has already been pulled, I have consulted with counsel, and our demand letter has been drafted. This is the final chance to avoid litigation.
Consumer complaint received 2022-10-24
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. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.