davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
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. (TN)

I have reached out about the reporting of my credit report on the inaccurate information reporting on multiple accounts for TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN CHILD SUPPORT ACCOUNT NUMBER XXXX TN DEPT OF HUMAN SVCS XXXX
Consumer complaint received 2023-09-10
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. (NY)

Reporting act ( XXXX XXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Consumer complaint received 2021-05-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WI)

We currently have a VA loan taken out in XXXX. We applied for a refinanced ( lower interest rate, cash out ) VA loan through our current lender, Navy Federal Credit Union, in XX/XX/XXXX. We have submitted all the requested paperwork, went online and electronically signed everything they asked for, have been in contact with them the whole time, completed the pest inspection and appraisal in XX/XX/XXXX. Absolutely everything they required of us. Nothing has changed in terms of our income or credit, and we have submitted and resubmitted proof of income. It has now been SIX MONTHS and they keep saying our refinance is " in-process. '' Six months we have missed of lower payments, and still no end in sight or guarantee that this refinance is a sure thing. Six months of waiting to see and also missing out on refinancing through a different lender completely, and now the interest rates are going back up. 
What can we do about this? IS THERE A TIME LIMIT on how long a financial institution can take to " process '' a re-finance? In XXXX, they gave us an anticipated closing date of XX/XX/XXXX, and it is now a month and a half past that date and still no closing scheduled. Please help! My assigned loan officer is very uncommunicative to email or phone requests for updates. Her name is XXXX XXXX NMLS ID # XXXX
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (NY)

I am a natural person, i am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed bellow be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2023-09-10
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)

Reporting act ( XXXXXXXX XXXX XXXXXXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Consumer complaint received 2023-06-09
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. (SC)

I am writing this dispute because I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I see a lot of inaccuracies on my credit report after reviewing it. I am verifying that this is me who is disputing these items. I need this removed asap.
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In XXXX, I was incorrectly charged for liquidation damages and carpet replacement fees by XXXX XXXX ( XXXX, FL ). This account was then sent to collections, ( Fair Collections & Outsourcing Collections or FCO Collections ) for this amount and has had an adverse impact on my credit file for years. 

The charges outlined on the final account/move out statement provided by XXXX XXXX were incorrect to begin with, which subsequently made the amount of the debt in question invalid : This property was originally occupied on XX/XX/XXXX and lease renewed annually thereafter until XX/XX/XXXX. Per the lease agreement, 40 % of the carpet replacement expenses should have been charged, yet 100 % ( {$1100.00} USD ) was charged instead. ( see attached ) Per the lease agreement, a 60 day notice to vacate was needed prior to the ending of the lease in place. This was provided, but was disregarded or overlooked and the lease was renewed anyway, causing liquidated damages cost ( {$1200.00} USD ). ( see attached along with email correspondence ) In short, this account should have never been sent to collections as the amount due was inflated with incorrect costs. 

I have tried to dispute this derogatory item with creditor, collections agency and credit bureaus but to no avail.
Consumer complaint received 2023-09-10
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (MS)

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-09-10
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.
Consumer complaint received 2021-05-17
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. (NY)

I don't understand why it's so hard to have Experian do their Job!!!!! Its thats simple I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 TIMES!!!! Before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order my credit report.
Consumer complaint received 2023-09-10
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)

Experian refuses to remove XXXX outdated addresses instead continuously note per their investigation results have been updated. Ive called and submitted electronically request and every single time the addresses remains on my profile. Got the past XXXX years I update my consumer statement my identity was stolen and freeze my credit. I recently received a check from an XXXX XXXX address I lived at years ago. XXXX XXXX address I moved from XXXX years ago went into forclosure currently owned by a new family. The XXXX address I moved from XXXX years ago. Finally the XXXX address I moved from XXXX years ago. And still on my credit report. I explained to numerous live agents the XXXX addresses are outdated and inaccurately reporting on my profile. Im still receiving mail from XXXX of the previous addresses and now every tenant or owner has my unique name. Ive been subjected to several privacy breaches and had my identity stolen several times. For the past year and a half Ive reached out to Experian to remove the outdated addresses but for some odd reason them removed the other addresses but fight me each turn to remain the final XXXX above addresses. This error effects my credit, impact credit worthiness, and I suspect tied to XXXX accounts they refuse to remove although the accounts are closed well over XXXX years ago. The other complaints are XXXX XXXX closed over XXXX years ago, never late, was not a result of credit, its not a loan, its closed, its not a collection, it shouldve never been reported on my profile. The open date XXXX is incorrect opened in 2012, the monthly amount is inaccurate also, and per the 15.U.S.Code1681 ( b ) b protected me from this sort of violation. Has nothing to do with my credit plus this civil family matter is over XXXX XXXX XXXX and has negatively impacted my work, credit, and personal life. XXXX XXXX XXXX is well over XXXX XXXX XXXX yet Experian refuses to remove it mark it as new account recently then removed the language so for a decade plus my scores has suffered because I have a sold closed account with a {$0.00} balance and a high balance simultaneously reflected on my account. Its under investigation with them again for the umpteen time but I never received proof or logical or legal fair credit reporting action or proof how they keep updating my credit report. XXXX XXXX XXXX and XXXX XXXX XXXX is over XXXX XXXX XXXX no reason to not remove them. Instead updates to keep reporting child support until XXXX. Thanks for your timely resolution.
Consumer complaint received 2023-09-10
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: AMERICAN EXPRESS COMPANY (SC)

Unauthorized Hard Inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

My mortgage company DiTech has not paid the last installment of my XX/XX/XXXX taxes to the town and now the town is placing a lean on my property. I have had issues with Ditech several months after they assumed the mortgage at the end of XX/XX/XXXX, as they replaced the property address with my billing address. I called the company repeatedly trying to have them correct the address change - which was not cleared in the system. At one point the customer service person told me that I was wrong on the address and to stop bothering them. I was so angered as if one holds a note on a property, you would think they would know the correct street address, town, state the property resides. At some point early in XX/XX/XXXX, I was told the paperwork was corrected but of course, this was not the case. As a result, the taxes were sent in XX/XX/XXXX to the wrong county/state for XX/XX/XXXX. My accountant noticed the incorrect address when receiving my tax paperwork in XX/XX/XXXX from Ditech. I immediately started making phone calls to find out the taxes were never paid for XX/XX/XXXX and this was XX/XX/XXXX. I informed Ditech and they told me they paid the taxes as checks were sent out that week I called. But come to find out taxes were not paid until end of XX/XX/XXXX and it was a partial payment. This week the town is going to put a lean on my property for outstanding taxes for XX/XX/XXXX. I again have called repeatedly and they keep telling me they will look into the issue. I have asked for a supervisor to call me back but with no response. The customer service person accused me of not leaving a message with the supervisor and hanging up. This organization is the worst with repeated misinformation, lack of response and follow-up, inability to do the job they are entrusted to perform and rude customer service accusations. I have paid on time and never missed a payment and expect them to act with diligence as this lean could affect my personal credit. I appreciate any assistance you can provide.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have received a copy of my credit report " XX/XX/2023 '' and there are several wrong personal identifiers in the file ( address, employer and name ). This will keep jeopardizing my identity if they are not changed immediately! I want all inaccuracies removed as soon as possible please before any bad consequences happen to me because of these incorrect things, it is really harming my life. I've been trying to get my information updated for over 3 months now but never got results.
Consumer complaint received 2023-09-10
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. (MA)

I am writing to request the immediate removal of certain information from my consumer report, which has been identified as a result of identity theft, in accordance with 15 U.S.C. 1681c-2. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report, and I believe they are inaccuracies resulting from identity theft. 

As required by law, I am enclosing the following documents to support my request : A copy of my identification ( ID ) to verify my identity. 
A copy of the Identity Theft Report issued by the Federal Trade Commission ( FTC ). 
A detailed statement specifying the information I want to be removed from my consumer report. This includes [ describe the information such as account names, account numbers, or any other relevant details ]. 

ACCOUNTS & ACCOUNTS NUMBERS XXXXXXXX XXXX  : Account Number : XXXX Date : XX/XX/2021 XXXX XXXX : Account Number : XXXX Date : XX/XX/2021 A sworn statement, under penalty of perjury, confirming that the identified transactions are not related to any transaction made by me as the consumer. 
Under 15 U.S.C. 1681c-2, I understand that you are required to block and remove this information from my consumer report within four days from the date of receipt of this notice. I expect prompt compliance with this statutory obligation. 

I kindly request that you provide me with written confirmation once the requested actions have been taken, and the information has been removed from my consumer report. 

Your prompt attention to this matter is appreciated, as it is crucial for the protection of my credit and personal information. Thank you for your cooperation
Consumer complaint received 2022-12-06
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. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-04-02
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. (TX)

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. 

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 2022-12-06
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. (NY)

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. 

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

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 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 XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( AX1 ) 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.