davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested removal of unrecognized inquires via certified mail. 
Transunion sent a stall letter stating I needed to complete additional verification and it appeared that I did not prepare my own letters. After completing the additional verification via text/chat option I was unable to understand the additional requests for more documents. I decided to attempt to call several times I was disconnected by 3 different agents after introduction and stating my question. I was able to get an agent who also verified my identity via the telephone then informed me that I would need to send letters to the creditor then request letters back and then send those responses back to Transunion. I was told that my letters are not valid, and the agents requested that I use the online process. subsequently 48hours later Transunion reduced my credit score by XXXX points with no changes to credit file. 

to lose XXXX points without reason is outrageous!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. I filed the correct paperwork according to the FCRA and disputed my credit reports. These disputes are not being processed correctly and my paperwork is not being attached. And I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft. I filed the correct paperwork according to the FCRA and disputed my credit reports. These disputes are not being processed correctly and my paperwork is not being attached. And I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC (AZ)

Specialized loan servicing. 
Account number XXXX I have been trying to do a settlement on a HELOC for a property that is no longer owned ( original foreclosed upon 15 years ago ). I have been working with specialized loan servicing for 2 months only to continue to get run around asking for same documents time over time. 

I am requesting a settlement as I have paid for 15 years on a property no longer owned. 

Requesting help as they continue to give run around with no support I have never been late Rates keep going up Property not owned Original house foreclosed on 15 years ago.
Consumer complaint received 2022-10-26
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. (MI)

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 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Back around  XXXX   XXXX  I sent my paperwork to Rushmore via return  XXXX . When I called to follow up they told me they did n't receive it. It took anothe r 2  weeks before they sent me another which I mailed back on the  XXXX  of  XXXX . When I called to check the status they told me they were n't going to review it because it was less than 37 days prior to the foreclosure sale on  XXXX / XXXX /  XXXX  . According to RETURN INTEGRITY & ACCURACY TO FORECLOSURE AND BANKRUPTCY PROCEEDINGS a lender or servicer is to continue review up to 15 days prior to the sale date and conduct an expedited review. It appears that Rushmore is not following the rules to allow me to keep my home.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

JPMC and XXXX continue to report on my credit report after 7 years. 

I looked at some FCRA laws and it states Section 623 ( a ) of the FCRA generallyprohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. 

JPMC and XXXX continue to report on my credit report after 7 years. 


This is a violation of my rights
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im a victim of identity theft. I have fraudulent accounts on my credit report. I have disputed and provided all the credit bureau with all the necessary documents they needed. They all responded back saying that the fraudulent accounts were verified with no proof. Please delete all these accounts immediately. 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness.

Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information.

Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement.

Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.
Consumer complaint received 2023-10-02
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: AVANTE (FL)

I disputed on XX/XX/XXXX to XXXX, XX/XX/XXXX, and XXXX. however it's been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-10-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/2023 I closed my money market account with Truist. I was then told i will be able to receive my {$1000.00} balance in 30 days. I have called numerous times after the 30 days. Each time I call Truist to speak with someone regarding my funds I am told something different. I was told I owe the bank {$11.00} ; I gave permission to have it deducted from the balance. The acct was closed in XXXX, yet Im still being charged interest. I just spoke with the bank again today was told that there is a hold on the funds. Noone can explain to me why? I just want my money from Truist that belongs to me.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account 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 account needs to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/ I checked my credit report, and it shows that the credit reporting agencies still have not removed all the personal names that do not belong to me. In accordance with the Fair Credit Reporting Act, the list of names below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall...

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's 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.

I have on numerous times requested that the credit reporting agencies remove those personal names that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

Submitted an application for PSLF on XXXX my original loan servicer was XXXX. After submitting a PSLF form, XXXX informed me my loan would be transferred to MOHELA on XXXX  On XXXX I showed a {$0.00} balance on XXXX. 

MOHELA received the transferred loan information on or around XX/XX/XXXX. The payment due dates and monthly payment amounts on several of my loans are showing differently on MOHELA than they were on XXXX. 

MOHELA is stating that on the standard repayment plan my loans are ~ XXXX XXXX. XXXX has always been showing $ XXXX. Called MOHELA and was told there was nothing they could do and nothing they could provide. Instead they stated that my loan already under a standard repayment plan could apply for being placed on a standard repayment plan. They quoted me at {$860.00} for that standard repayment plan. 

I applied for IDR on XX/XX/XXXX and to prevent that application from any issues, I was advised not to submit an application to be placed on the standard plan. While I wait for my IDR application to be processed, I am being forced to pay a higher payment than what my actual loan payment should be.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I checked my credit report, and it shows that the credit reporting agencies still have not removed all the personal names that do not belong to me. In accordance with the Fair Credit Reporting Act, the list of names below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681i ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall...

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's 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. 
I have on numerous times requested that the credit reporting agencies remove those personal names that do not belong to me. I still see them on there and I also sent them a copy of my driver 's license.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
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: GOLDMAN SACHS BANK USA (IL)

I bought doors and a window from XXXX by XXXX. They installed the wrong patio doors. XXXX  XXXX XXXX agreed to replace the wrong patio doors but it would take about 6 months to rebuild them. A couple of months later our house burned down. I advised XXXX By XXXX that we still wanted the doors for the house we were going to rebuild. In XXXX XXXX  By XXXX advised Green Sky that they had installed the doors and requested Green Sky to pay them for the door. Green Sky pay them. The house was not built yet the only thing that was there was the foundation. I advised Green Sky of this and in accordance with the agreement with XXXX By XXXX I did not have to pay for the doors until they were installed. Green Sky put my loan into collection which lowered my credit rating from the mid XXXX to XXXX making me unable to get a loan for my rebuild. When Green Sky was made aware of this they refused to restore my credit rating and said it was up to me to take care of it.
Consumer complaint received 2023-10-03
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX credit card {$490.00} shows closed; charged off bad debt. This card was opened and used fraudulently by someone who moved into my old residence at XXXX XXXX XXXX XXXX XXXX XXXX. I did not open, use are physoically have this credit card. This needs to be rmeoved from my report with Transunion.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Notice Of Dispute - XXXX  XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX  XXXX. 
XXXX XXXX : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.