davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: REPUBLIC MORTGAGE HOME LOANS, LLC (FL)

I was working with Republic Bank for a refinance loan. I submitted all paperwork on time. The lender was delayed in processing the paperwork and my lock rate period ended. Now this lender wants me to pay for the expenses of extending the rate lock. 
I have already given them {$390.00} to start the process. I will lose this money too because I am not going to sign up for loan.
Consumer complaint received 2023-02-28
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. (NV)

In accordance with the Fair Credit Reporting Act XXXXt 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 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.
Consumer complaint received 2023-05-08
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. (TX)

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.
Consumer complaint received 2024-02-29
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)

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NE)

My deceased parent 's house foreclosed and not all of the heirs were informed. The company is Select Portfolio Services ( SPS ). SPS is NOT giving the rightful heirs the leftover money from the sale of the foreclosure from my deceased parent 's home. I have reported years ago that SPS is a Predatory so called " bank '' and used Predatory Loan Tactics to obtain people 's homes. SPS DID NOT offer Help for homeowner and/or heirs during the coronavirus national emergency. SPS foreclosed on my deceased parent 's home during the Federal Mandate under Covid19 Laws to NOT Foreclose! This so called company is so dirty and took my parent 's home away so that they could benefit dollars into their pockets!!!
Consumer complaint received 2023-02-28
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. (HI)

I sent Certified mail letters. XXXX is being lazy and not doing their job. Under the FCRA, the burden of proof lies on XXXX, Tranunions, XXXX you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call XXXX, Tranunions, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, XXXX, TransUnion CEOs as last resort before I Sue them all.
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NC)

I got a letter dated XX/XX/XXXX that my house payment went up {$330.00}. I was told this was due to the company paying my taxes which I correct, however, this was an increase for 12 months. this will result in over {$4000.00} which I don't understand why. I have been dealing with this since XX/XX/XXXX doing everything they ask me to do and nothing has been resolved. they have missed applied my payments, paid more taxes and shouldn't have before time, have people come out taking pictures of my house when I am not late on my mortgage. I have a whole pile of paperwork and documentation that I can submit.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit reporting act. The list of account below had violated My federal protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : Collection agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC (FL)

Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit and housing.
Consumer complaint received 2015-09-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Asset Management, LLC (WY)

Was threatened in XXXX with a lawsuit, now being threatened with the company filing a XXXX with the IRS and said I could go to prison or I can pay {$3500.00} to make it all go away. This is on a credit card with last activity from 2005
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As of XXXX XXXX XXXX XXXX for amount {$250.00} was reporting this account to my consumer report see attached documents they removed and it is no longer reporting to XXXX. They are currently reporting to my trans union and they are stating false and misleading information claiming that it is verified when it has already been removed. You are in violation and the information that is being reported is inaccurate.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (VA)

Mortage company will not stop ignoring me. 
Was forced into a bankrupcty that should never have happened in XXXX due to false billing. 
They refuse to answer any and all questions relating to the bankruptcy. But I am not calling to discuss the bankruptcy. 

I want to know why they refuse to pay my property insurance. It is incluoded in the monthly mortage payments. 

My home insurance defaulted and I had to pay it out of pocket. I cant ask them why since they refuse to answer any questions saying I need a 3rd party lawyer to contact them. 

Again I am not calling them in regards to the bankruptcy and they keep hiding behind that excuse. 
I am calling about the mortgage. 

The bankruptcy lawyers do nothing or s ay they dont believe me. 

I have the phone calls on recording leading up to my insuarnce being defualted due to the mortgage lender. 

Been ignoring me on this situation since XX/XX/XXXX. 

This is one of dozens of examples of harrassment Ive had to go through due to the mortageg lender either lying about information or simply black listing me and refusing to answer any questions due to there own actions, Mortage company also stated they can remove any money owed to me every 90 to 60 days. 
Why would they even say that? 
Its there responsiblility to pay the home insurance. 

They are trying to sabotage my home loan. 

The forced bankruptcy was due to them lying as well and false billing me.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (CA)

This complaint is regarding First Tech federal credit union An account was set up in a real estate closing transaction ( not my choice to set up ). 
The account has only {$5.00} in it and as such I have tried to close the account on several occasions. Each time I am assured that the account will be closed, but then I get another statement in the mail, still showing a {$5.00} credit balance. 

XX/XX/XXXX Spoke to XXXX who said he would close the account and mail a check in XXXX business days XX/XX/XXXX Spoke to XXXX who XXXX she would " reactivate and close the account '' and that I would receive a cashier 's check in XXXX business days XX/XX/XXXX Called to cancel, I don't have further notes other than that I had received an automated callback
Consumer complaint received 2023-05-08
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: LCI Acquisition Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXX  - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have obtained my credit report from Experian on XX/XX/XXXX and noticed multiple errors of inaccurate and incompleteness of accounts listed below. 

I also applied for a credit card with XXXX XXXX on XX/XX/XXXX and was denied due to Experian inaccurate and incomplete reporting. Ive been injured by being rejected from my own credit due to Experian reporting negative information about my character. This denials serves as defamation of character by Experian, tarnishing my ability to obtain credit. 

A compliance standard was put in place In XXXX for credit reporting agencies stating that If items on a consumer credit profile, does not meet the mandatory legal guidelines to be reported it cant be on a consumer credit profile. This deviates from the standard of compliance that the credit reporting agencies must follow. Experian is not in compliance. 

The FCRA states the consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Which Experian did not adhere to. The FCRA states that Consumer Reports must be accurate and not misleading. The word maximum, and possible mean greatest in quantity or highest in degree attainable. Accuracy, in turn means freedom from mistake or error. And being free from mistake or error means being free from a misunderstanding of the meaning or implication of something and not deviating from truth or accuracy. Experian has been reporting inaccurate and incomplete information on my credit profile. 

These accounts fail to meet the accuracy standards outlined in 15 USC 1681 ( e ) ( b ) and are therefore incomplete and inaccurate and can not be reported to my credit report. This notice serves as a dispute regarding your failure to accurately report these accounts and its completeness and to delete all listed accounts. 


DELETE ALL LISTED ACCOUNTS BELOW. 


XXXX XXXX Inaccurate reporting payment history. DELETE XXXX auto finance Inaccurate day of account opened. Inaccurate day of delinquency. DELETE XXXX XXXX XXXX XXXX  Inaccurate date of last activity. Inaccurate reporting of amount of days late. Inaccurate payment history.Inaccurate first day of delinquency DELETE XXXX XXXX Inaccurate day of delinquency. Inaccurate payment history. DELETE XXXX XXXX XXXX XXXX XXXX 
Inaccurate charge off. DELETE
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-08
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. (MO)

When I reviewed my credit report, I discovered that some of the information 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 listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please 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 2022-10-27
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. (AZ)

As I looked on my report I noticed that my right to privacy has been violated. By Law XXXX XXXX Part XXXX - FAMILY EDUCATIONAL RIGHTS AND PRIVACY ; Student loans should be kept private from my report. You have violated my consumer rights and I would like a proper investigation. Please send me an ORIGINAL STATEMENT with my signature that gave you authorization to furnish these loans on my consumer report. 
XXXX XXXX XXXX # XXXX. Due to the furnishing of my private information I have been denied good faith in credit for goods and services. This is damaging and Im very disappointed in this credit reporting agency.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Fed advised me, as a result, that they did remove my authorization for the USE of the card, however the debt will continue to be reported on CBR, per XXXX on XXXX/17. 
However, being an authorized user was never the issue. The debt was never mine to begin with, there is n't any application from me, in my name, anywhere what so ever! 
So why would n't Navy Fed remove My name from my CBR? This is NOT EXCEPT ABLE AT ALL!!!!!!!!!!!!
Consumer complaint received 2024-02-29
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. (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.

has violated my rights. Or a list of inquiries : 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.