davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-07
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. (CA)

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX  Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX Personal Loans Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX XXXX/XXXX XXXX State Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 

XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX XXXX/XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


US DEPARTMENT OF EDU State Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry. 


XXXX  - CARD SERVICE National Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Error : I did not submit this or had no communications authorizing them to do this inquiry.
Consumer complaint received 2022-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (GA)

On or around XX/XX/2022 consumer, in good faith, entered into a consumer credit transaction with DISCOVER for {$15000.00} for money which are the subject of the transaction are primarily for personal, family, or household purposes. DISCOVER denied consumer stating reasons was due to credit. Based on the Equal Credit Opportunity Act, a consumer can not be discriminated against during any aspect of the transaction. DISCOVER discriminated against me by denying my right to extend credit. Consumer is also aware this is unauthorized use of my credit card per Truth In Lending Act. ON XX/XX/2022 consumer contacted DISCOVER bank in attempt to resolve this and get the credit I applied for extended to me. The supervisor stated they would not reverse their decision. Per DISCOVER 's adverse action letter sent via, DISCOVER specifically has a notice that states The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Consumer complaint received 2024-03-16
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. (VA)

I reviewed my consumers reports and noticed that I had a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XX/XX/2020. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attachment.
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

My husband lost his job and he was without a job for 8 months and the mortgage went from XXXX to XXXX because we didnt do the start program. We started the process of the loan modification and we made 3 payments in a roll. One day we received a letter saying that we going into foreclosure. The letter include the name of the case manager with an extension number we started calling and we couldnt reach him so when other representatives answers the phone they cant give you information about our case. One day finally other case manager tell us that the modification process was denied because we have a hold in the tittle. The house was purchased in XXXX and the hold was for a ticket in XXXX. We put 20 % of down payment. So they tell us to started the process again sending all the information that we pay the ticket. We did that and for several weeks since we started for the second time in XXXX they never received the information or the system was down or we needed to wait 48 hours for them to receive the emails. I send the information by fax, mail and email and they never received it. Our intention was always to pay but they dont let us pay part of it. So now on XXXX we received the letter that we are in foreclosure. So we feel that we were played. I do have emails proving that they received the letter email. But they keep changing the email address every time that I spoke to a different customer representative
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On Monday, XXXX, I emailed my mortgage company to request a payoff, as I am considering selling my home. Using the email located in the lender 's portal, I emailed my request for a payoff statement. The email bounced back as undeliverable. I did my due diligence and made sure the email address was correct. It was. The email address in the lender 's portal for payoffs is not an active email address. I then forwarded my email to every email address on the lender 's portal that I was able to locate, asking that they please contact me or provide me with a correct email address so I may obtain a payoff. 

To date, I have not received an acknowledgment or response from the lender. I am entitled to this information. This appears to be a deliberate action by the lender which is artfully designed to not provide payoff information on their mortgages and the practice is unprofessional. I do not know if this violates any banking laws but I do know I am entitled to obtain a payoff from my lender. 

I would be grateful for some assistance. This lender is : PHH Mortgage ( formerly Ocwen ) who has been guilty of a myriad of violations in the past ( i.e., class action lawsuits. ). 

Thank you.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have set up the auto pay for Bank of America credit card for pay amount due when bill is received. However it turns out it only auto pays the minimum amount due. As a result, the balance builds up quickly and boa starts to charge a lot of interest on my account. Within three month, it charges me about 10, 20 and 30 dollars for interest.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK ()

Contacted Discover when I noticed a card had been obtained by my ex husband using my SSN. They would not investigate as I didnt have the security details hed set up. I havent lived in the US since 2015 so no cards or addresses exist in the USA for me.
Consumer complaint received 2019-12-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I opened my Bank of America Advantage Banking Checking account on XX/XX/2019 under a {$100.00} promo. The promotion promised {$100.00} after two qualifying direct deposits were made that were equal or more than {$250.00} 90 days after opening the account. This requirement was met quickly, within two weeks of opening my account my direct deposit was switched over by me employer. The deposits exceeded {$250.00}. After the deposit requirement was met, the promotion was to pay out 60 days afterwards. I called the bank to inquire and I was told that they do not know. To date this payout has never been paid.
Consumer complaint received 2019-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

Today I was checking my credit score and it showed a drop of 30 point on XXXX and upon checking I found some collection agency named AFNI opened a collection account on behalf of XXXX amounting to {$120.00}. I dont owe any amount to XXXX nor to this collection Agency.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} - Paid, was past due 90 days/CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} - Pays account as agreed/CLOSED - XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

To whom it may concern : On XX/XX/2019 I applied for a mortgage for {$900000.00} with HSBC mortgage located at XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX and as of XX/XX/XXXX the loan is still in underwriting and my lock in agreement is almost expired. I have supplied any and all documents they have requested in a timely manner and yet no final answer after numerous written and verbal requests that go unanswered. The staff manager XXXX XXXX has not replied to my requests verbally or in writing. The loan officer XXXX XXXX NMLS license number XXXX calls me once every 2-3 weeks with verbal assurances but those verbal assurances go unanswered. XXXX has tried to get the head of underwriting to address this matter but weeks and months have passed with no result. There are many facts to this complaint where serious violations have occurred namely rendering a decision within 30 days after the loan was submitted to underwriting on XX/XX/XXXX. completed file for approval. I have sent updates to the loan officer and to the portal to keep up to date on expired documents but these efforts as well as other attempts appear to be meaningless.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXXXXXX acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXX stating I had a XXXX balance on this above mentioned account when XXXX XXXX or Experian call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (MO)

I am consumer and I am worried about my credit score. I have noticed that there are XXXX alleged late payments on a Closed Self Lender Account ( XXXX ) and as Closed Kikoff Account ( XXXX ). I have disputed this issue with the XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. Under Penalty of Prejury they cant provide proof that they have not broken the and violated my consumer rights. Under 15 USC 1681a ( 2 ) ( A ) ( i ) there should not be any late payments on my consumer reports. It is because Congress states that a Consumer Report does not include information soley as to transactions between the consumer and the person making the report. Financial institutions do not have the authority to report late payments or any and all negative information about a consumer to the credit bureaus. That is their policy but I am stating consumer law as a consumer and their policy doesnt supersede Federal Law. Also, I disputed these accounts on XX/XX/2022 and Under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) since I disputed a debt and they fail to report it as disputed to the credit bureaus that a violation and must be deleted my from consumer reports. They failed to issue the notice of dispute.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear credit Bureau To whom it may concern : Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. To my surprise you are reporting this account incorrectly. This collection account is reporting not only as OPEN but also shows a pastr due balance of {$1700.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Consumer complaint received 2023-02-24
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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
Consumer complaint received 2023-02-09
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. (MS)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed 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
Consumer complaint received 2023-11-02
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. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-02-09
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: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.
Consumer complaint received 2022-12-07
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$32000.00}
Consumer complaint received 2022-10-03
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. (AZ)

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2020