davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Consumer complaint received 2022-05-18
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/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. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Sent to : XXXX  CEO XXXX and Board of Directors ' Member, XXXX XXXX XXXX, I am writing pursuant to a very distressing and egregious culmination of my Ally Financial experience. One would surmise that I would be ecstatic that I paid off my XXXX this past XXXX XXXX. However, what I recently discovered has caused undue distress and angst about all the due-diligence I performed to successfully pay off my vehicle. 

Briefly, I purchased in XXXX a XXXX XXXX via XXXX XXXX until it was recently paid off in XX/XX/XXXX. I am writing to seek immediate resolution as I am stopping short of seeking legal remedies and accusing XXXX of abhorrent practices in your bankruptcy division. 

I had filed for a MD bankruptcy via a Maryland attorney in XXXX and my car was NOT included in the filing, by mutual agreement and my choice. I paid my XXXX XXXX XXXX monthly car payments, successfully completing the final payment in XX/XX/XXXX. Once paid off, I received XXXX email and written final confirmation correspondence which allowed me to obtain the Maryland XXXX XXXX release. No problem, right? WRONG! Last week, I accessed my credit reports only to discover it is listed on my reports as potentially negative!! Within the last 2 weeks, I even filed a complaint via CFPB, whose investigation received the same false reporting information from XXXX, all of which is egregiously false. 

Personally, I am a single, XXXX grandparent, still working, now left with a credit report showing absolutely false information. The most abhorrent thing is one CAN NOT get a XXXX XXXX Bankruptcy Dept. assistance or customer service to address this matter. Everything is outsourced and is very stressful when trying to get someone to address this post-payoff matter! 

I am requesting mediation and resolution to this matter. Every day this inaccurate information exists on my credit is detrimental to my finances and these inaccuracies can destroy my future purchases. 

As of XXXX XXXX, XXXX, XXXX, Transunion, and XXXX are reporting : Accounts Includes credit cards, real estate loans and installment loans. This information is reported to the credit bureaus from your creditors. 

XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX  Account XXXX XXXX XXXX
Consumer complaint received 2022-12-17
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XXXX XXXX  Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-05-23
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. (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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! XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX  Account Number : XXXX XXXX Account number : XXXX 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. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.

Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

XXXX of 2018 reached out to Navient student loans to claim financial hardship and have my loans lowered for as long as they would allow. Send all documentation to them and was approved, same day, for a payment of {$370.00}. My usual payment was {$540.00}. At this time I was told I need to sign up for automatic payments which I agreed to come out the XXXX of each month. XX/XX/XXXX the first payment came out for {$370.00} but with a remaining owed balance of {$170.00}. When I called in I spoke with someone who told me that once the payment clears the amount would default to the {$370.00} for a year as I was told in XXXX. This did not happen. As of today, XX/XX/18, my account is showing past due for {$170.00} and owing {$540.00} due in XXXX. When I called in I spoke with 2 agents and finally a manager.  They all spoke to me as this issue was my problem and simply stated that I was told the incorrect amount for the program and I needed to pay {$75.00} to bring the amount current for a total program amount of {$440.00}. When I asked why Im not able to pay {$370.00} they respected very rudely that I wasnt approved for the amount because I made no payment of {$370.00} in XXXX to secure that agreement. I paid {$540.00} in XXXX PRIOR to my due date as I always have. Both agents and the manager continued to speak over me, wouldnt give me any information in a letter or statement and said they promise the payment would be {$440.00} going forward. When I asked for a statement declaring this they said to look in the mail some time in XXXX. Nothing further.
Consumer complaint received 2022-12-17
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MO)

I currently have a mortgage with Flagstar bank for a property in the USVI.  I was a victim of hurricane Maria. The property was hit very hard, I lost the door, roof and all patio 's and decks. The property was insured through XXXX XXXX. It took a year of battling to finally get them to pay the claim, I received the check which was payable to myself and Flagstar Bank. When reaching out to Flagstar concerning the funds, they refused to endorse the check indicating it was " mutually vested interest '' to only release portions of these funds. I would like it to be said that I have never been late on a mortgage payment, I did rebuild the property to somewhat safety standards and have spent almost {$100000.00} out of my own pocket to date and have still not gotten the insurance to pay for emergency expense, contents nor additional living. Flagstar to date has yet to contribute anything, not a contractor name, not a waiver of a  mortgage payment, nothing but resistance. 

We agreed via email that if I endorsed the check to them, they would release 50 % of the funds with 3 days of receipt. They received the endorsed check on XXXX-18 @ XXXX XXXX. 

The only correspondence has been an email indicating the funds will be released no later than XXXX-18 and an email to myself and a contractor I've never used asking for company tax information. 

There is nothing contractually stating they can not release the funds in full to allow for the property to be rebuilt. We agreed prior to my endorsement that the funds would be released within 3 days. I would also like it noted, the funds they are in possession of are more than I owe them for the contract. 

No one should have to go through a category 5 hurricane, loose their home and all property. No one should ever have to battle with their insurance company for over a year to get them to pay a legitimate claim. No one should have to battle with their mortgage company to get them to release funds that they have no entitlement to in the name of making money off the interest off of peoples demise. I have lived up more than my end of the contract and was expecting them to do the same. 

NO ONE should have to go through the stress this has caused in the name of money.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MI)

NORDSTROM has targeted me with discrimination for exercising my consumer rights. My account was closed, unbeknownst to me, on XX/XX/202XXXX XXXX XXXXXXXX without my permission. The adverse action was taken although account is in good standing, not delinquent or in default.
Consumer complaint received 2020-12-18
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. (TX)

Since XXXX of 2018. Office of the Attorney General of Texas has reported a incorrect amount about child support and arrears. Since then custody has change hands in my favor. I have custody of the child. I am still paying the other parent but the AG off is till reporting that I am paying late. Been trying for almost 2 years to get this matter back before a judge and still no action has been taken. My credit has been damaged because of this matter and the credit bureaus has not done or addressed the reporting.
Consumer complaint received 2022-12-16
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. (GA)

I have started the my dispute process with this company in XXXX XXXX Their investigation was a generic response ( please see attachment ). 

There are a number of inaccuracies on my report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation. All of my letter have been sent certified mail. Please see attachments below.
Consumer complaint received 2022-05-18
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. (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard InquiryXXXX XXXX XXXXnd XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I do not recognize these credit Inquiries and I have asked for them to be removed and the bureaus did not do as I asked. 
I am going to tell them that I am providing an identity theft report which I will attach to this and I am requesting them to be removed because they are inaccurate and not mine.
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: EQUIFAX, INC. (FL)

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately 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  delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Also these accounts are listed more than once on my credit reports!!!!!
Consumer complaint received 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I were depressed after my father was passes away from XXXX 2020, the first wave of XXXX with no vaccine. I was really frighten and depressed. I left my job, because the environment is a high volume. After taking a year break of everything, it was hard for me to get a job to fit with my environment. My house mortgage went up so high, at least {$600.00} more. I tired to apply loan modification, and I got denied.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (AL)

I am trying to close the account as the expiration date is nearing ( XX/XX/2022 ) and the webiste for the company and the phone numbers offered do not show an active account, however there are still funds on the card.
Consumer complaint received 2018-09-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

DEAR CFPB : This matter is in regards of a debt collector that uses several phone numbers to contact me. I explain the debt collector that i need the fallowing information : 1 ) verification of the debt. 2 ) tp provide me with names and adresses of the original creditor. 3 ) tp provide me with days, dates, bills, from the original creditor. 4 ) provide me with the policy number on my insurance card. Further more i explain and i spoke with the debt collector male who refused to give me his name. And I told Him : 1 ) DO NOT CALL ME ANY MORE. Its against State and Feral laws. DO NOT CALL. 2 ) DO NOT HARRAS ME ANY MORE.3 )  DO NOT THRETENING ME ANY MORE. Date collector wrote me a letter XX/XX/2018. Date i wrote the collector answering Him : XX/XX/2018. Thank you. Very Truly yours ...