davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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. (WA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX 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.
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: Experian Information Solutions Inc. (MA)

Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and 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
Consumer complaint received 2023-05-03
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. (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 XXXX XXXX XXXX XXXX XX/XX/2020, 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 conviction 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 2024-03-11
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (FL)

I received information from U.S. Bank stating that I have an opened credit card with them. The card has XXXX balance. I reached out to U.S. Bank and ask them to cloe the account becuase I recall having opened the account. They refused to close the account.
Consumer complaint received 2022-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC (TN)

THIS COMPLAINT IS FOR XXXX XXXX WORKING AS A, MORTGAGE BROKER NMLS # XXXX WORKING WITH NEXA MORTGAGE COMPANY, PLEASE EMAIL : XXXX and XXXX. XXXX XXXX did not have me to sign a DocuSign contract with her as my Realtor Mortgage Broker after I was working with her at XXXX XXXX. She did not tell me she had left working for XXXX XXXX  until the next day of sending her documents for pre-approval. I asked her the reason she did not let me know and she stated she just left the same day. She asks me to submit her information with Nexa Mortgage XXXX if I wanted a Conventional loan that I was not qualified with my husband with XXXX XXXX due him needing higher credit. She informed me that I would qualify for the pre-approval. I was preapproved on XX/XX/22 from XXXX XXXX for {$290000.00}, Conventional Loan with Nexa Mortgage XXXX emailed with a pre-approval letter. XXXX XXXX informed me that she stated she considered the selling of my commercial property with the {$290000.00} pre-approval. I contacted XXXX XXXX on XX/XX/22 and informed her that my contact ended on XX/XX/22 and I was not able to buy home I bided with her approval letter due to the extensions for the home at XXXX XXXX XXXX, XXXX, GA XXXX. She stated that my loan was not denied or suspended when I was processing the loan with XXXX XXXX Mortgage. She stated my XXXX ratio was high due to not having the XXXX. I informed her XXXX XXXX stated they did not need anymore iXXXX after my XXXX  gave {$6000.00} extra dollars total continued to change. I informed her that I had not sold my commercial property and was in the process and she considered the {$290000.00} with the building being included for approval. I informed her I did not have debt on my XXXX and was receiving XXXX XXXX monthly. I informed her I only had a {$87.00} school loan for debt in my name. I informed her that I had to get XXXX extensions on the loan due not having the income she stated I had for the {$290000.00} and the contract ended on XX/XX/22. I informed her that she told me during processing that I was suspended and denied for the contract. I have text and emails stated she told me that contract was denied and suspended. I informed XXXX, I did not want to lose my XXXX money of appraisal and she stated I would not lose the money. She blamed My Realtor XXXX XXXX for me losing my XXXX money and XXXX appraisals totaling {$4000.00}. I informed her that she did not tell me the truth about due to the extensions my loans were not in denial or suspended. Due to my emails from XXXX XXXX, she was XXXX of the reasons I lost my XXXX money and appraisal for {$4000.00} due to the extensions and her using my commercial property in the {$290000.00} total of the pre-approval letter for the home I had a contract due to the qualifications.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Under the FCRA 15 U.S.C & 1681i, all unverified inquires must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the accounts listed below within 30 days of the receipt of this letter, you must remove these accounts from my credit report. 


Please provide me with an copy of an updated and corrected credit report showing these items removed. 


I demand the following inquires be removed immediately. 



Name Of Inquiry : Date Of Inquiry : 1.XXXX XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX  XXXX XXXX 4. XXXX XXXX XX/XX/2021 5. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the account listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}
Consumer complaint received 2022-12-13
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 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 2023-12-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (MO)

This company continues to report to my credit report when they stated they would remove all negative and inaccurate information off of my credit files. In previous filings on this company to the CFPB they got in writing and on documents Case # XXXX that they would stop but the credit bureaus continues to report this information damaging credit and my life. I have proof to show how they continue to report an violate in the description below. They also said that they have verified this account as accurate which is in Violation of my consumer rights.
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. (PA)

On the date of XX/XX/XXXX an account with XXXX XXXX was opened account was listed as charged off for {$29000.00} listed as past due XX/XX/XXXX. Also with this company an account was open on XX/XX/XXXX and listed as charged off for {$610.00} written off as past due XX/XX/XXXX With XXXX XXXX  XXXX an account was opened on XX/XX/XXXX listed as charged off for {$27000.00} written off XXXX past due XX/XX/XXXX With XXXX XXXX XXXX XXXX opened XX/XX/XXXX an open balance for {$5200.00} and a past due balance of XXXX on XX/XX/XXXX was listed
Consumer complaint received 2023-12-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

I finalized a Home Equity Option agreement with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. The agreement was subsequently assigned to RoundPoint Mortgage Servicing for servicing of the agreement. Upon request from Roundpoint, I forwarded all evidence of property insurance, including Flood insurance, Condo Unit Owner 's insurance and Condo Master Policy insurance to Roundpoint by uploading unto their website, by email and mailing current copies of each property insurance. In addition to calling, in XXXX and XXXX, and speaking to Roundpoint representative, who assured me my insurance policies were up to date, I also had my insurance providers add Roundpoint on my policies and forward the insurance information directly to Roundpoint. Nevertheless, I continue to receive notices ( first notice received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) from Roundpoint for evidence of insurance and payment for XXXX XXXX. Finally, I called Roundpoint again on XX/XX/XXXX, after receiving the XX/XX/XXXX dated notice. Needless to say, I was very frustrated. The Roundpoint representative hung up on me before I could finish explaining my situation. At first, I thought it was a disconnection, but since I did not receive a call back, I decided to call back once again and was then transferred to the insurance department. After what amounted to be a long wait, the insurance representative got on the line and proceeded to indirectly mock me and my accent; pretending not to hear or understand me. He then placed the call on speaker which caused an echo in the connection. He appeared to be having fun at my expense. I had never had this issue on previous calls, and plan to pursue legal action if this issue persists, and the I continue to receive the harassing notices.
Consumer complaint received 2022-12-13
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
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. (MA)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION AND ACCOUNTS REPORTING : XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

EXPERIAN : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report 2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine. 
4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

companies continues to report inaccurate information on all accounts, notarized certified mail has been sent along with US government identification proving identity theft, along with a notarized sworn statement as required by law. multiple disputes dating back to XX/XX/. XXXX, XXXX, and equifax continue to violate title 15 usc 1681b, title 15 usc 1681c-2, title 15 usc 1681s-2 , title 15 usc 1681n and title 15 usc 1681o. consumer financial protection bureau is also being negligent in holding these companies responsible for their actions
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (TX)

In XX/XX/2007 I put my student loan in deferance while going through a divorce that ended in foreclosure of my home. During that time, XXXX sold loan to ACS. At the time I owed {$1500.00} ish. With penalties and interest, my loan when to {$5400.00}. I 've been paying consistently the {$57.00} per month but I feel that the penalties and interest which almost tripled is accessive. When asked if the could reduce for a full amount pay off they said no and that I would have to reach out to the Department of Education for options. Do I have any?
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (IL)

I received the attached letter via first class mail on or about XX/XX/XXXX. Prior to receiving this letter I had not had any correspondence with XXXX or AIC. Furthermore I have never purchased anything through XXXX. I have not attempted to contact XXXX or AIC, I was advised to leave that up to CFPB.
Consumer complaint received 2022-10-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

companies continues to report inaccurate information on all accounts, notarized certified mail has been sent along with US government identification proving identity theft, along with a notarized sworn statement as required by law. multiple disputes dating back to XX/XX/. XXXX, transunion, and XXXX continue to violate title 15 usc 1681b, title 15 usc 1681c-2, title 15 usc 1681s-2 , title 15 usc 1681n and title 15 usc 1681o. consumer financial protection bureau is also being negligent in holding these companies responsible for their actions