davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

I took out a mortgage with First Federal Savings on XX/XX/XXXX which a mortgage was recorded. On XX/XX/XXXX another copy ( same loan number ) of the mortgage was recorded with XXXX as the servicer. I refinanced and the mortgage was paid off and a discharge was recorded for the First Federal Savings mortgage but not for the XXXX Mortgage. It is my understanding that US Bank was the servicer at the time of the discharge. I have since refinanced again and now have sold my home. We requested a discharge back in early XXXX XXXX of XXXX in anticipation of selling my home and did not receive confirmation of the discharge but rather that " it would be processed and completed. '' We had a {$500.00} holdback in escrow in order to sell the home with the reliance that US Bank would timely record the discharge. Now XXXX ( XXXX ) years later, MANY emails and calls to US Bank, XXXX  and XXXX XXXX with promises that the mortgage would be discharged and recorded. 
It is now almost two months since the closing date of XX/XX/XXXX and we still have not received a discharge for the XXXX mortgage. I have written to US Bank as well as my attorney and now am receiving radio silence. I let them know last Monday, XX/XX/XXXX that if they did not respond by XX/XX/XXXX, I would be filing this complaint and I still have not received a response.
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX. XXXXXXXX XXXX1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XXXX, Equifax and XXXX have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, XXXX and TransUnion have not processed my dispute in the last 50 days. They are now in violation of several different FCRA codes.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

My mortgage closing was delayed by the inaction of JPM Chase Bank ( JPM ) in my purchase of a XXXX XXXX  from the vendor ( XXXX ). The delay on the closing occurred primarily at the hands of JPM 's inadequate attention to deadlines and misinformation given to buyer. Buyer had no part in delay, yet was subjected to added fees for lateness, extension of loan lock period, repeated appraisals, rush activity on appraisals and dis- and misinformation. 
The individuals responsible collectively abrogate responsibility and when I request an appeal, they confer with those individuals who created the problem making perhaps the biggest conflict of interest and farce possible. 
I only wish restitution for the costs incurred by JPM. I requested that and was denied. I requested consideration by XXXX  pointing that through no fault of my own I was penalized nearly {$2000.00} in late fees that were caused by JPM action or inaction. That was also denied. 
What we have here is a simple case of corporate protocol and greed working together to abuse the borrower and homeowner. The primary fault is with JPM, but the nature of the penalty assessment is owned by XXXX. 
Those penalties and associated fees should be reimbursed. 
The following is a list of the JPM culprits : XXXX XXXX Home Lending Advisor XXXX XXXX Customer Care Specialist XXXX XXXX Team Manager XXXX XXXX-Team Manager XXXX XXXX Lending Manager XXXX XXXX Senior Lending Manager
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OK)

I have contacted XXXX, Experian and XXXX SEVERAL TIMES THE PAST WEEK asking them to remove ALL fraud alerts and to remove ALL personal statements. I need all 3 companies ( Experian, XXXX, XXXX ) to remove ALL personal statements and ALL fraud alerts. I did not authorize these!
Consumer complaint received 2019-07-11
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: Experian Information Solutions Inc. (TX)

I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00}, XXXX XXXX XXXX for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CHXXXX - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00}, XXXX XXXX XXXX for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970
Consumer complaint received 2023-02-28
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. (TX)

XXXX XXXX XXXX is reporting into Experian XXXX and XXXX inaccurate information that was removed from my Experian report due to Identity Theft in XXXX XXXX XXXX XXXX XXXX. I was denied housing on XXXX XXXX XXXXXX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted XXXX XXXX. They advised Accounts XXXX XXXX XXXX XXXX XXXX were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have contacted TransUnion, XXXX and XXXX SEVERAL TIMES THE PAST WEEK asking them to remove ALL fraud alerts and to remove ALL personal statements. I need all 3 companies ( XXXX, XXXX, Transunion ) to remove ALL personal statements and ALL fraud alerts. I did not authorize these!
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-03-06
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. (NY)

Pulled my credit report and noticed addresses and information on my report from FRAUD and ID theft that injured my credit years ago. 
I sent them letters 2 times and have made a report with CFPB and was asked to wait 60 days. The 60 days have passed and my report is still furnishing false information.
Consumer complaint received 2022-05-24
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. (WI)

I sent letters off on XX/XX/2022. Here are my tracking numbers ( XXXX ) : XXXX. Tracking number ( Equifax ) : XXXX. Tracking number ( XXXX ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-05-24
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. (WI)

I sent letters off on XX/XX/2022. Here are my tracking numbers ( XXXX ) : XXXX. Tracking number ( XXXX ) : XXXX. Tracking number ( Transunion ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (TX)

I told them that this loan was fraud and they sent me an affidavit last year. I sent it back and I stopped hearing from them. After a few months they said they will remove it off my credit. Then proceed to charge my credit like 7 times. Then told me to file a police report. FCRA Section 609 and FCRA section 604.
Consumer complaint received 2022-05-24
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. (AR)

XXXX report number XXXX XXXX XXXX account number-XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - account XXXX XXXX U S DEPT OF EDXXXX- account # XXXX XXXX  XXXX XXXX XXXX  - account number- XXXX XXXX XXXX XXXX-account number-XXXX XXXX XXXX XXXX- account number-XXXX XXXX XXXX- account number-XXXX XXXX XXXX  account numbers- account # XXXX XXXX XXXXXXXXXXXX XXXX XXXX-account number XXXX XXXX XXXX- account number XXXX Please investigate if every piece of information is correct They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.
Consumer complaint received 2022-05-24
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. (FL)

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 U.S.C 1681. and In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they have violated my rights this is the 3rd attempt not only was this collection removed multiples times it also has been re-added back after it has been removed .Now they have it being duplicated on my credit report I have the docs with proof showing this. 


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
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-05-24
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. (VA)

XXXX XXXX Account number XXXX inaccurate Date opened, inaccurate high credit, inaccurate date last active, inaccurate date of last payment.
Consumer complaint received 2022-05-24
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. (SC)

In accordance with the Fair Credit Reporting act XXXX U S DEPT OF EDXXXX {$1000.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX XXXX-Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$2300.00} -Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX-Account # XXXX, has violated my rights. 
U S DEPT OF EDXXXX {$3900.00} -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 Inquiries : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2019-11-19
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. (CA)

I currently have a loan with XXXX XXXX, XXXX XXXX car Company. The payments are $ XXXX  monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX account was left open with sufficient funds for over 90 days to allow my original XXXX to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX  and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.
Consumer complaint received 2022-05-24
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents. I have not received this information Per Section 623 ( a ) ( 3 ) I believe my right are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.