davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/year> I received a copy of my consumer reports and theres incorrect and inaccurate reportings on my consumer files. I have been going back and forth with these agencies to validate and verify the information for all my missed and late payments which are not accurate as I have NEVER been late nor have i given these agencies permissible purpose to report these negative reportings on my reports. I am a federally protected consumer and I am promised accuracy and correct information to be reported on my consumer reports. These agencies are violating federal law and under 15 usc 1681, all information must be verified and validated. as you can see they can not verify or validate the information so it must be removed. All Missed payments, all late payments, all closed accounts which have never been closed nor have i the consumer given my written consent to close the accounts that have a long history of reporting as I am in need of the length to make my reports accurate. These are all violations and I demand that they correct and update my consumer reports promptly. I am being damaged and this is a violation that is also a fee of XXXX per inaccurate reporting. Please have them promptly upadte my reports as I have a right and promise for all accurate information. I demand that these inaccurate reportings be corrected today! 
I am not getting the credit usage i need and I am promised accuracy of all my consumer reports. under 15 usc 1681. have these agencies update and give me what i am promised by federal law. XXXX, Experian, and XXXX must get these reportings updated today and send me the updated reports immediately to see the changes and updates as i am promised.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (NE)

I filed a dispute with XXXX in XX/XX/2022, saying the this account needs to be removed from my credit report due to the age of the account. The account was closed in XXXX. The account balance is XXXX. It was closed by the credit grantor. The company responded to dispute, they kept the account on the report, and refused to remove it. I would like this account taken off of my report. I believe it is in violation of the Fair Credit Reporting Act by keeping it on my report for over 10 years.
Consumer complaint received 2022-05-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-22
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: LendingUSA (GA)

This complaint is in 3 parts sense it involves XXXX different companies ( maybe ). 
Part 1 : XXXX XXXX XXXX ( XXXX  ) ; currently I am having a problem with the IRS and a notice went out to all tax accountants in the land by law ; well I received a call from XXXX on or about XXXX XX/XX/XXXX telling me how they can fix my problem with the IRS. The Rep said he can a XXXX debt to a XXXX settlement for XXXX just simply hung up. So tried to call XXXX back, but no answer, I tried calling the for days, weeks, and never herd from them again. 
I called the IRS about later and the IRS never had XXXX listed listed on my form XXXX authorization to perform as Power of Attorney, nor have they heard from them ; there has been no settlement reached or discussed. This is a pure scam involving one company trying to act as three or what. The two financial companies are demanding payment; PLEASE HELP!
Consumer complaint received 2022-05-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-01-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (DC)

Hello, My home mortgage was just recently transferred to XXXX XXXX XXXX ( ShellPoint ). I was notified of mortgage transfer late XX/XX/XXXX. Once I received the letter of transfer, I called ShellPoint to make a payment and set-up a re-occurring auto pay transfer. However, it seems the auto pay was never activated. 

Couple of months passed by and I realized the amount of money I am keeping for the mortgage is not being deducted. I called Shellpoint customer service and only then I was notified that my account is past due! During the " past due '' period, I didn't receive any letters, phone calls or emails to indicate that my mortgage payments are not going through. Also, by law, I have 60days to make a payment from the day of notification ( mortgage transfer ).

Currently I am going through a financial hardship. I am trying to refinance to decrease my mortgage monthly payment. This false late payment caused my credit score to drop  tremendously and not allowing for the refinance to happen. 

I called shellpoint to resolve the issue. The only action they were willing to take is to report to prospective lender that my account status is current. Unfortunately, this is not enough. Shellpoint need to update the 30days past due payment reported in XX/XX/2018 to all credit bureaus to indicate there were no late payments on my account. 

Thanks for your help in advance, 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: EQUIFAX, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My card was stolen in 2018. The thief withdrew and spent nearly {$1500.00}. Bank of America has footage of the theif withdrawing my funds at their atm but stated because the atm is one that I used before they will not process my claim. This is negligence considering it is more likely my card would have been stolen in an area near where I lived or I frequent so stating that the thief used an atm in an area I also used an atm at is is not a substantial reason to refuse to process my claim. Especially since they confirmed the person on camera at the atm withdrawing funds was not me
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

One of the account holders, who unfortunately, is not very familiar with bank policies or what type of information a bank institution can request over the phone, provided information under the impression that " the bank '' was contacting him due to suspicious activity on the account. He provided information that should have not been given and a few minutes later there were a total of 3 fraudulent XXXX withdrawals made on XX/XX/2019. One was in the amount of {$160.00}, another in the amount of {$750.00} and another in the amount of {$750.00}. 

A claim was filed with the bank institution immediately once these transaction were noticed on the account. However, we recently received notification that this claim has been denied and we will have to pay {$750.00} back to the bank.
Consumer complaint received 2022-05-22
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. (DE)

I had disputed these lateness well over a year ago and the lateness was removed just recently XXXX XXXX without notice reported the lateness back on my credit report along with sending past statements that I didnt ask for. Several years ago I reported to XXXX  XXXX that I didnt apply for their credit cards I explain to them that while I was sick my home was invaded with people to help me at my home while I was getting better. The company refused to except that I didnt use the credit credit. So I had no choice but to pay the credit cards and to except what the company said that I applied for the cards, now XXXX XXXX is putting late charges on my credit report again. Im sending mail from the house that I lived in during the time that XXXX XXXXXXXX claims that I applied for the credit cards. 

The lateness is not mine and should be removed. 



I was living at XXXX XXXX XXXX XXXX XXXX MD XXXX During the time that these cards were applied for Please remove the lateness from my report. 

Someone used my information to get the credit cards and your company refused to remove the information and to take the credit cards off my report Im still paying the cards and some cards are in default that are not mine.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion claimed that I was signed up for a credit reporting service. It was not clear in their contract language that I was actually signing up for a monthly service. I thought I was just getting a one-time credit report from them. When checking my credit card report this month, I noticed that Transunion had been charging me XXXX a month XXXX XXXX after tax ) for a monthly credit report since XX/XX/XXXX. I called them on XX/XX/XXXX to cancel the service immediately. 

Transunion agreed to give me a partial refund of 5 months XXXX XXXX - XXXX XXXX and cancel my account. I wanted a full refund, but they refused to give this. Initially they were only offering a three month refund, but made an exception because I asked to speak to a manager. However, since I paid for 8 months of this service unknowingly, I was not satisfied with 5 months of refunds. 

I never used the service that was associated with transunion and the basis of this complaint is that it was not transparent that I was signing up for a monthly service. Also, I received no direct written or electronic communication with transunion after the trial period began. This was obviously effective in keeping me unaware of the fact that I was being charged a subscription fee.
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX navy federal and XXXX  XXXX XXXX are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (IL)

I had a debt with XXXX XXXX which was pass to Sequium Asset Solutions, which i settle for {$890.00} which to paid in XXXX payments i made the first payment and i receive a receipt right after the payment i made the second payment on the XX/XX/2021 as agreed upon i have not receive a receipt for payment i call back on XXXX and ask for my receipt of payment and a letter saying that the account was paid upon agreement i was told that i will receive them within 5 days I have not receive them as of today XX/XX/2021
Consumer complaint received 2022-04-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Started a refinance in XX/XX/2021 with Lakeview. Spoke with XXXX XXXX who said we qualify for a XXXX Mortgage. After running credit he called back several days later and said we did not qualify but may qualify for another loan. Did not hear back from him or anyone else for almost a month. Was contacted by another XXXX XXXX, XXXX XXXX, who said we were in his que and needed to submit paperwork to qualify for a XXXX XXXX at 3.5 % .Although we had already submitted the paperwork he is requesting, we submitted them again. In the months proceeding other loan documents were sent to us to sign and send, with no explanation by the XXXX XXXX. This Process went on until XXXX ( XXXX - XXXX!? ) I reached out to the Compliance Department/Issues Resolution and spoke with XXXX XXXX XXXX XXXX XXXX to request we do not work with XXXX and XXXX due XXXX an already confusing, back and forth, vague, requesting of documents ( that we have already sent ) and non-transparency. In between days corresponding with her I received another email from XXXX XXXX to sign a XXXX of Denial. Assuming she hadnt spoke with anyone about our concerns, I emailed her once again and received an email she was out of the office. On XXXX she emailed saying she reached out to the Originations XXXX XXXX team. After receiving a call from another Mortgage XXXX XXXX ( I guess that was her resolution ) He stated we could close by XX/XX/XXXX at 3.5 %. We agreed to move forward. We have complied with all and everything Lakeview has required. We completed a house appraisal, received instructions to repair peeling paint per FHA, cleared the title then received another call from another XXXX XXXX. Now, the Underwriter has requested we need to get another appraisal because the loan number was not the same with the appraisal on it. She also says, we do not have proper house insurance coverage ( when in fact we do. Insurance agent was very confused why Lakeview did not read the House XXXX documents correctly ). After clearing up the house insurance and speaking with the Mortgage XXXX XXXX he said he needed to change the loan number and is having a problem with the Mortgage XXXX. Crickets. When we started the rate of 3.5 % was promised to us until close. Now we have lost all communication with our current Mortgage XXXX XXXX. He has not returned our emails or calls. I am writing this complaint because we have been trying to refinance with Lakeview since XXXX. Because the mortgage rates have gone up, we are afraid we have missed out on an opportunity to refinance at a lower rate. This process with Lakeview has been nothing but unprofessional ; with their false claims, redundancy and shadiness. Our hands are tied and we know we are being taken advantage of. The process leads to the Underwriter, then we run into another issue due to their incompetence, unprofessionalism and lack of communication. No one has apologized, there has been no accountability and now, no communication. Crickets.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I sent a dispute letter that was received over 30 days ago by U.S. certified mail. They have failed to properly validate the accounts I questioned. I have received no written communication or any supporting documents that I have requested.
Consumer complaint received 2024-02-16
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. (FL)

Notice of Violations under FDCRA and FCRA Dear XXXX XXXX XXXX XXXX, I am writing to bring to your attention significant concerns regarding your practices, which appear to be in violation of the Fair Debt Collection Practices Act ( FDCRA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are supported by the following statutory references : 1. FDCRA Violations : 15 U.S.C 1692, Communications in connection with debt collection. 12 CFR 1006.30 ( a ) and ( b ), Other prohibited practices. 2. FCRA Violations : 15 U.S.C 1681 ( a ), Accuracy and fairness of credit reporting. 12 CFR 1006.6, Communications in connection with debt collection. Contacted XX/XX/ at XXXX EST and XX/XX/ at XXXX 12 CFR 1006.30 ( a ), Required actions prior to furnishing information. 12 CFR 1006.30 ( b ), Prohibition on the sale, transfer, or placement for collection of certain debts. 12 CFR 1006.26, Collection of time-barred debts. 12 CFR 1006.34, Notice for validation of debts. The Congress, in its findings under 15 U.S.C 1681 ( a ), emphasizes the importance of fair and accurate credit reporting for the efficiency of the banking system. It is crucial that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in the legislative findings. The specific practices that raise concerns include, but are not limited to : Furnishing Information Without Prior Communication ( 12 CFR 1006.30 ( a ) ) : It has come to our attention that [ Debt Collector ] furnished information to consumer reporting agencies without engaging in prior communication with the affected consumers, as outlined in 12 CFR 1006.30 ( a ). Improper Debt Placement ( 12 CFR 1006.30 ( b ) ) : There is evidence suggesting that [ Debt Collector ] has engaged in the sale, transfer, or placement for collection of debts that have been paid, settled, or discharged in bankruptcy, violating 12 CFR 1006.30 ( b ). Time-Barred Debt Collection ( 12 CFR 1006.26 ) : [ Debt Collector ] has been observed attempting to collect time-barred debts and issuing threats of legal actions against consumers for such debts, which contradicts 12 CFR 1006.26. Inadequate Validation Notice Practices ( 12 CFR 1006.34 ) : Our investigation indicates that [ Debt Collector ] has not adhered to proper validation notice practices, as required by 12 CFR 1006.34, thereby jeopardizing consumer rights. I urge XXXX XXXX XXXX XXXX to review and rectify these practices immediately to ensure compliance with the FDCRA and FCRA. Failure to do so may result in further action. I request removal of alleged debt.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> a letter was sent to Experian discussing a few collection that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HERITAGE CREDIT LLC (TN)

Prior to paying off account XX/XX/2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XXXX XXXX the update reported and instead of removing the error First Heritage went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

First Heritage Credit XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX first-heritage.com