davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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)

Hello, my name is XXXX XXXX and I am a victim of identity theft. I noticed the following problems on the date of XX/XX/XXXX, Transunion, XXXX, and XXXX have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the LAW! The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE GRAMM LEACH BLILIEY ACT OF XXXX! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the CFPB and the XXXX XXXX XXXX and below are the copied attachments for your keeping. Please delete the following information as asked asap THANK YOU! 




ACCOUNT NAME : 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 2023-01-16
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. (IL)

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? This incorrect information on my credit report is causing problems when I try to apply for credit. I would like to have this account deleted from all 3 credit bureau 's. Can you investigate this matter because how are all these companies reporting inaccurate information across all 3 bureau 's.
Consumer complaint received 2024-04-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (UT)

-i answered their filing with a request they contact me at the correct address -continued contacting someone at another residence despite being told to stop -they waited too long to take action on my response
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Looked at my report back on XX/XX/2024, I noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure a maximum possible accuracy of the information concerning the individual about whom the report relates. Account XXXX is not complete and accurate. 
Also, according to 15USC 168-2, a person shall not furnish any information relating to a consumer reporting agency if the person. Knows or has reasonable cause to believe that the information is inaccurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number USPS XXXX XXXX XXXX XXXX XXXX XXXX. 
In accordance, with 15 USV 1681 I5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any investigation 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 furnished of that information. That the information has been modified or deleted from the file of the consumer.

Also, according to this law they are suppose to provide me a description of the investigation according to 15 USC 168i ( 7 ) : ( 7 ) Description of reinvestigation procedure.

A consumer reporting agency shall not provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

BUT THEY DID NOT DO THAT AS WELL EITHER.

In addition, according to16USC 1681-2 they are suppose to 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 being reported is inaccurate.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MD)

On XX/XX/2020 I went online to Shellpoint Mortgage ( NewRez ) to " inquire '' about whether they had a deferment  program due to COVID-19. Per the site, there wasn't any visible COVID-19 information, just to fill out information on the site and someone would follow up. In doing so, I followed up with Shellpoint Mortgage ( NewRez ) the next working day. The representative I spoke to stated that they did not have a deferment program, but did have a forbearance program. I told her that I was not interested in a forbearance program and to please disregard my inquiry. Since that day, this issue has been a nightmare. On XX/XX/2020 I received a letter from Shellpoint 's Loss Mitigation department dated XX/XX/2020 indicating that I had made an agreement for a temporary payment plan and that I did not honor it. I called and emailed on XX/XX/2020 and XX/XX/2020 and demanded to speak to a supervisor, in which I eventually did. On XX/XX/2020 I received an email from a Supervisor, XXXX XXXX XXXX, who per email stated that the forbearance was set up in error and they recognize that I did not request assistance. On XX/XX/2020 I received an update to my Shellpoint Mortgage Servicing account from XXXX XXXX showing that Shellpoint Mortgage updated my credit reports ( XXXX  and XXXX ) with the following comment : " Affected By Natural/Declared Disaster '' I contacted Shellpoint Mortgage ( NewRez ) to remove the language from my credit report on XX/XX/2020 and then filed a dispute with both XXXX   and XXXX  disputing the language and to remove the remarks from my credit report. I received two letters that were identical in verbiage dated XX/XX/2020 and XX/XX/2020 from Shellpoint Mortgage Escalation Department stating the following in the first two paragraphs : " This notice is to confirm that you have declined the COVID-19 Forbearance Plan assistance program. We have removed the Forbearance Plan from your loan ... '' However, the language, " Affected By Natural/Declared Disaster '' is still in the comments/remarks section of my XXXX   credit report ( dispute results dated XX/XX/2020 ). The language was removed from my XXXX  ( dispute results dated XX/XX/2020 XXXX comments/remarks under Account Details, but in the Payment Status, the following was added : Terms : 360 months, Deferred ( last payment date showing XX/XX/2020 ) I called Shellpoint Mortgage ( NewRez ) at the Escalations Department and followed up with an email on XX/XX/2020. I have informed them that this is a last attempt to remedy the situation in its entirety as this has been ongoing since XX/XX/2020 and it is now XX/XX/2020. It is hard for me to understand why it is taking so long to fix this issue.
Consumer complaint received 2022-01-21
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. (MO)

After sending the credit bureau multiple letters. I even decided to call and spoke with an agent who didnt speak really good english and I was hung up on with still no help. They are reporting an account on my credit report for XXXX XXXX XXXX account XXXX.I have NO CONTRACT with the company.
Consumer complaint received 2020-06-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XXXX XXXX I sent a letter to XXXX  stating that I would need verification bearing my signature in reference to Portfolio Recovery LLC who has been reporting that I owe XXXX dollars to a company called XXXX. As of yet I have not received what I have asked for. I have nothing bearing my signature to verify this. I received only an email stating that it was verified.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (MA)

On XX/XX/2022 I contacted Experian about the following negative accounts COLLECTION ( Account number XXXX, Date opened XXXX XXXX, 2022, Balance {$2600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-06-08
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. (VA)

Dear to whom might concern, My name is " XXXX XXXX ". I have tried to report incorrect information in my account but it has no success so far. I noticed there are most of the addresses that are listed in my credit report are incorrect. 
XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX *** I demand removal of all these addresses as they are not belong to me and our businnes. These inaccurate information above is preventing me from improving credit. 
**** Please investigate these " auto loan " and " other loans " and delete all the disputed items withn 30-45 days in the regulation times as i will be validating all debts from these creditors and never stop enlarging my complaint until my request are done so.

In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) '' Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. ". However, I have never received writing mailed or disclosure about any of these loans. The credit bureaus violated seriously FCRA laws which means all of these inaccurate loans have to be removed off my credit account " '' '' '' ****. 
***Auto Loans ***!!! XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX!!! XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX ***Other loans**!!! OTHER LOANS *XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX *XXXX  XXXX Reported : XXXX XXXX, XXXX **** Hard Inquiries XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX There are no information contact update by this creditor. This account would be intensionally put in my report for the credit bureaus personal-benefit. 
!!!!! DELETE IMMEDIATELY!!!!!! 
****Credit card!! 
XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX *XXXX XXXX/ Reported : XX/XX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX!!! These credit card account are not BELONG to me. In all this account show that i late for all payments. However, i never never miss all my credit card payments. 
!!!!! DELETE IMMEDIATELY!!!!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent
Consumer complaint received 2023-01-16
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (NC)

I have an AMEX Bluebird account with exactly {$440.00} USD in it, and about a week ago I could not log in and when I called, they said that my account was suspended for no apparent reason and no email was sent to me. All I would like to do is get some form of check for the remaining balance on my Bluebird account and then I will be done with this business. Please give me my money in my account!
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through Bank of America ( which we lodged a previous complaint XXXX ) wherein Bank of America constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with Bank of America was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by Bank of America to XXXX XXXX   now known as XXXX XXXX. 

I have called bank of america customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from Bank of America to XXXX XXXX.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (DC)

Gift Card Distributed by Blackhawk Network California , Inc. 

Card # : XXXX exp XX/XX/XXXX cvv XXXX Original Value {$200.00} Card was used to make purchase on XXXX XX/XX/XXXX for {$160.00} Items were returned and XXXX issued credit back to card on XX/XX/XXXX At that point the card stopped working. I contacted the company, which is quite difficult to do. I did speak to a representative who acknowledged that the money was returned from XXXX, but due to the fact that this is a gift card the returned funds cause the card to be turned off. The agent said that they could reactivate the card with the XXXX added back on and gave me a confirmation number XXXX. I was told that someone may reach out to me to discuss the issue, but was assured that the card would be reactivated. 

No one reached out to me, the card still does not work, and now when I call the customer service number on the back of the card I keep getting disconnected before I can speak to a representative. I believe that this is a predatory practice and they have no intention of reactivating my card and giving me access to the funds that they acknowledged are due to me. 

Thank you in advance for your help with this matter.
Consumer complaint received 2020-06-08
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC (AZ)

My buyer was dealing with City Worth to process a VA loan. We had a 45-day contract and it was not until the end of the contract we found out the lender had not finished the process. They had not been waiting on anything from the borrower. The lender contacted us repeatedly begging for me to sign an extension stating it was there fault. It took 21 days to finally close. However, I was not made whole and they took an additional 3 days to fund the purchase! 

What I mean about not being made whole is I had to pay an additional 21 days of mortgage interest because they could not process the loan due to their repeated mistakes. When I asked XXXX XXXX of City Worth XXXX about this, he said it would be worked out but attempted to go back to the buyer and redo the loan putting that amount on the loan. Other words making the buyer pay for their mistakes. I did not let that happen as it would have been an additional 30 days he said. 

I believe the lender is in violation of Regulation B and is responsible for covering all our closing costs, extra interest due to the late closing and any related fines, penalties and hardship to us.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile.

Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile.

Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MN)

I am filing a complaint in regards to Caliber Home loans and their management of my escrow account. It is absolutely inexcusable that I have lost my homeowners insurance policy because they failed to mail the check from escrow account in time to be cashed by my insurance agency. Then I am being asked to spend my own money to cover the period in which I am uninsured? What is the point of an escrow account! I have made EVERY mortgage payment on time and should not be dealing with the leg work of sloppy mortgage companies. When I called Caliber to attempt to resolve this issue myself they were incredibly unhelpful and did nothing to make me reassured that I was a valued costumer and that my home was important to them.
Consumer complaint received 2020-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have formally requested that capital one bank USA validate all trade line listings they have submitted to the three major credit reporting agencies. Due to possible in accuracies in these reports I demanded that the validation requested be in the form of a verified statement by a person with original knowledge of the debt who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was not utilized as a profit loss tax deduction during the period it may have been payable, and was not claimed as a loss with and insuring entity during the period it may have been payable. I have requested competent evidence that I have some contractual obligation in relation to this trade line.

I have not received such evidence which constitutes a breach of my civil rights, thus these items must be removed. At this moment in history, I refuse to have my civil rights taken away from me as I watch what is happening to people of my race in this country who have not only been vastly affected by this pandemic economically, but who have also had their civil rights disregarded by those in authority.