davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
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. (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. 

XXXX 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 2023-02-14
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)

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 Account number XXXX XXXX XXXX  XXXX account number XXXX XXXX account number XXXX 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 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 2023-01-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

Dear CFPB, XXXX XX/XX/2022 I made XXXX payments of {$40.00} dollars simply because of my XXXX XXXX. 

Once it was brought to my attention I addressed US Bank, to rectify the situation in regards to my account ending in # XXXX to reverse the payment and to remove the reverse payment of {$40.00} dollars as requesting to have the interest fee of {$2.00} and returned payment fee of {$30.00}. 

I also requested to speak with the communications department to discuss and submit my reasonable accommodations in regards to my XXXX and reference to the negative activity that took place on my account and was not successfully connected to that department but a Customer Service representative who assisted me by leaving notes on my account for someone to follow back up with me. 

I have not heard back from US Bank, nor has the fees been removed as they remain still populated in my account. 

Therefore, I am filing a complaint for my account to be reviewed of these fees and any other fees that are inappropriately applied to my account immediately and up date my account as the resolution.
Consumer complaint received 2017-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I never received statements from   XXXX   XXXX   When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .
Consumer complaint received 2024-03-23
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

Ive been disputing this account since it popped up on my credit report. All the collections agency does is put a note on the account that the consumer disputes. I dont know what this is. Ive called XXXX and they also have no idea what this is for. Im a current XXXX home and mobile customer and have been for over 10 years! I was never notified by the collection agency about this debt! After reading reviews about this company Im confident this debt doesn't belong to me especially since Im still and have been a XXXX customer. This Transworld company is reporting inaccurate information across all credit bureaus and is making a negative impact on my credit. Please remove asap
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

Was denied credit and the denial letter stated that LexisNexis reported a judgment. I requested my consumer file on XX/XX/XXXX. I received that entire file dated XX/XX/XXXX and found several errors. Incorrect spellings ( unknown ) of my name, incorrect ( unknown ) addresses, and two judgments one of which had one of the incorrect spelled names ( unknown ). I contacted LexisNexis via phone call on XX/XX/XXXX. I went through my file page by page line by line disputing incorrect information and was assured that it would be correct and that I would receive an updated report within 30 days. I received my Results of Investigation file on XX/XX/XXXX and realized that nothing was removed. I call and spoke with another rep ( a guy ) this time and went through my file again line by line, page by page and asked him how was this judgment verified. he insisted that it was Public Records and that was how they verified it via that database. I told him that I had spoken with the courts and the clerk could not find any judgments for me after I had given her my drivers license number, my social security number, and my full name. He informed me that he would open a Reinvestigation and forward it to the ESCALATION Department. On XX/XX/XXXX I received a third copy of my file and again nothing was deleted or verified. I then sent a certified letter asking for verification method, the names and phone numbers of people they may have contacted to verify and listed every error in detail with the page number in which they could be found. Again, I asked that this incorrect unverified information be removed. I received a response dated XX/XX/XXXX that said everything was verified and that I should contact the courts and have them update their system. I called the Justice of Peace XXXX XXXX - XXXX Court and spoke with XXXX ( XXXX ) and was told again that there was no way to verify the judgments that LexisNexis is reporting because those files were in " storage '' and that some one would have to physically go retrieve them and that the judge is the only person that could do it because these are personal confidential files. I called LexisNexis again on XX/XX/XXXX and spoke with XXXX and asked how was this verified and she told me the same thing about it coming from Public Records but when I ask what Public Record if the court that they say has the judgment is telling me that they do n't have verification to provide me how is it that LexisNexis is getting verification? She told me that she would open ANOTHER Reinvestigation and forward it again to the ESCALATION department. I sent another certified letter on XX/XX/XXXX asking for written proof of verification and for the unverified information and incorrect names and addresses to be removed. I have denial letters for Insurance Coverage from XXXX and denial letters for car loans with reasons being adverse information provided by LexisNexis.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Nationstar increased my MONTHLY payment from {$1400.00} to {$1500.00} for the last 6 months although they say my YEARLY e scrow has only gone up about {$150.00}. They have no explanation for why I 've already paid  XXXX  more than last year.
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (GA)

These hard inquiries are not me 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 2016-02-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (NE)

It is impossible to speak with someone about my credit, credit limit, etc. or get any questions answered about the Target Red Card. All of the information about whether or not I can receive a credit limit increase, etc. is confidential, and can not speak to anyone about it.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (PA)

This is my complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove the following inquiries which are opened without my knowledge. I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Please delete the following inquiries : 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-29
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. (TX)

This is in reference to complaint XXXX. Equifax stated that the account that I disputed is already reporting paid as agreed with no late payments, but that is incorrect. The account is XXXX XXXX XXXX XXXX  XXXX and there is a late payment reporting in XXXX. I have informed Equifax that my payments were deferred due to covid so there should be no late payments reporting. Once again, please remove this inaccuracy from my credit report or I will take legal action for violation of the FCRA and CARES Act. Please see the requested proof of identification and remove the late payment from my credit report.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Starting around the XX/XX/XXXX/XX/XX/XXXX time frame of XX/XX/XXXX I initiated conversation with my Loan Service Provider to start a Loan Modification process with them. After submitting hundreds of pages of documents that were asked for almost a year now, I still do not have an answer. Recently, because it has taken so long I started to inquire with individuals and companies as to the process and have found out horror stories as to the actions of some banks/loan servicer 's towards there customers. At this time I am terribly concerned that this company is going to come back with a denial and put me in a position to possibly loose my home. 
The amount of time that this process has taken to date is solely on the backs of Bayview as they time and time again asked me for documents that were already received not only by fax, but also certified mail. I literally have 100 's of pages of documents and can not possibly send them. To give you and example of this companies incompetence, I contacted them back in XX/XX/XXXX after they had asked me for a XXXX form for the 5th or 6th time a copy of all of the correspondence that they had from me. A short time later I received 3 large envelopes in the mail from Bayview containing 100 's of  pages of correspondence, many of them BLANK! 
The stress level that this process has caused not only me but my entire family is incomprehensible. My current point of contact at Bayview has never once initiated a phone conversation with me or left a message for either me or my wife. I have had to initiate any communication unless it was an encripted e-mail or correspondence by mail even thought many times through this process I specifically asked for my point of contact to notify me if they did not receive the documents that I had sent only to be ignored and weeks later have them come back and say documents had not been received. I was notified in mid XX/XX/XXXXthat all documents had been received and I would be given an answer within 30 days only to receive an e-mail on the 30th day stating that an additional document is needed. Proof of that document was sent along with bank statements showing the monthly deposits althought those statements had been provided months before. HELP!
Consumer complaint received 2023-04-16
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. (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX. XXXX XXXX 2 ) account # : XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I currently disputed a XXXX XXXX XXXX docket # XXXX with all credit bureaus and they stated that the court provided them with inaccurate information see attached file
Consumer complaint received 2023-05-29
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. (NC)

This is XXXX 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 2017-04-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NATIONSTAR MORTGAGE LLC (CA)

WE have a loan with Champion Mortgage, XXXX Michigan. 
We paid during year XXXX, a total of XXXX, between interest and FHA insurance fees. 
They sent us a XXXX for a total of XXXX. 
I made several phone calls, sent a few emails, they wrote us a letter promising an answer by XXXX. Never received anything from them. 
I need the correct information to filed our taxes, I do not believe they know what happened.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting act XXXX : XXXX XXXX account # XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 604 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 2023-05-29
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. (LA)

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 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 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, Account Number : # XXXX / XXXX XXXX I have mail several documents requesting validation of XXXX XXXX requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX  referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report.

Im planning to apply for a VA mortgage loan, and XXXX XXXX  account is negatively impacting my ability to qualify.

Thank you for your attention, XXXX XXXX
Consumer complaint received 2022-11-05
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. (DE)

I have collections showing for XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have never dealt with any of these companies. I would like this information to be removed from my credit file on transunion and XXXX please
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with USAA and their representatives are completely incompetent.
Consumer complaint received 2024-03-23
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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.