davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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. (KS)

This is a prime example of Willful Noncompliance I am exercising my right under the Fair Credit Reporting Act, Metro II Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1, 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681, et seq, and 15 U.S. Code 1681n, I am request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( XXXX XXXX ) -Accounts not reporting monthly updates. 
-Willful Noncompliance 15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

In XXXX of this year Citi XXXX closed 2 of my accounts that I had with them. One with a limit of XXXX dollars and the other for around XXXX. This done with out any notification either verbal or in writing. I only learned about it when I went on line to make my payments. Citi cut me off with no access to customer service or anyone to help me. I only got a number which turned out to be to collections via citis online chat. After calling this number I was told that my two accounts ending in XXXX and XXXX were closed because I had declared bankruptsy. I had never even inquired let alone delcared it. They based this on false and unchecked information. I appealed this and by the end of the week the account ending in XXXX had been reopened. Account XXXX remained closed. Citi even had issued and mailed replacement cards for XXXX. I called back in about XXXX and again appealed it. The next day they closed XXXX again at which time I cancelled my payment to that account and twice in writing I informed them that until they corrected this issue I would withhold payment on the account ending in XXXX. The end of XXXX I attempted to make my payment on line for the account ending in XXXX. I was no longer able to access this account. On XX/XX/XXXX I made arrangements to pay off the account ending in XXXX as of XX/XX/XXXX and they were going to waive all interest since they closed the account. I enquired about the account ending in XXXX and got switched back and forth about it because they could not access the account info. Was finally told the account XXXX was sent to collections. This is an account I was not late on and had never missed a payment on until the end of XXXX when they prevented me from accessing the account in any form to make payments. I have had the XXXX account for around 20 years and never had any problems. I am pretty sure this will now further affect my credit score. Citi had no justification for closing the accounts without verifing the information or formally informing me of the closing along with a written explanation. Again this affects 2 accounts the one ending in XXXX and XXXX. Also I am attaching the only response I have received from them in which the person talks about the potential Bankruptcy case. Something they now deny as the reason for closing the accounts. They cant seem to keep it together. Their response pertains to account ending in XXXX and I have yet to get any written response about XXXX.
Consumer complaint received 2022-09-13
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. (TX)

There has been multiple attempts to collect a debt that is not mine by XXXX XXXX. I contacted XXXX XXXX and advised that account was opened without my consent and is fraudulent. I filed a police report and submitted it to their fraud department. XXXX has tried to get multiple credit collection agencies, which have reported to my XXXX, XXXX and Experian account several times. Each time I challenge the collection and the account is the sold to another agency and the collections goes back on my report. Sometimes it has shown back up with the same credit collection agency. 

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.
Consumer complaint received 2020-02-14
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)

The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} credit collection service XXXX XXXX {$1700.00} XXXX  {$700.00} XXXX data breach settlement : all part of that
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-06-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVA Financial Holding Company, LLC (AZ)

The buyers of our home applied with Nova Home Loans and were approved for $ XXXX with low down payment. We entered into contract with them on XX/XX/2022, closing on XX/XX/2022. On Saturday, XX/XX/XXXX, we had to sign an extension as Nova had " trouble with their loan and their debt-to-income ratio '', nothing had been mentioned in the days leading up to this, as the loan process was " on schedule '' according to the documents we received from the agent. On XX/XX/XXXX early in the day, we were told the loan was " on hold '' due to the debt-to-income ratio of the borrowers, and they are trying another company which assured approval in a short time. On XX/XX/2022 at XXXX pm we received a letter of withdrawal from Nova Home Loans for the above mentioned debt to income issue that the borrowers had, but was only brought to light that morning. The CD should have been submitted to the parties 48 hours prior to the letter of withdrawal. Rules are rules. I attempted to speak with the Originating Loan officer three times during the process, and he only returned my call, on Friday, XX/XX/XXXX, after they withdrew. This process was abhorrent, as the buyers were ready to move in, their lease had been cancelled and we had moved out of the residence to facilitate their move-in. I believe XXXX XXXX had made egregious errors in giving them the " preapproval letter '' and ultimately denying their loan 60+ days post issuance of the preapproval. 

I am attaching the chain of emails from XXXX XXXX to the buyers and both agents during the process to show there was NO MENTION OF THIS ISSUE, ever.
Consumer complaint received 2023-06-25
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. (LA)

*Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report.

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I demand your prompt attention to this matter.
Consumer complaint received 2019-05-02
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. (CA)

one inaccurate student loan is located under my name under equifax credit reporting agency, this  inaccuracy is causing me my SSi check that i receive. 
i spoke to them many times and disputed several times they keep coming back and saying it has been verified, i never ha student loans ever, i never went to school ever. please find attached my police report and FTC report which i provided equifax as well. 
thank you
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (RI)

Experian  is being reporting an inquiry from XXXX XXXX  XXXX XX/XX/year>. I have no business with this company or authorizes this company to do so.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One advertises the fact that cards are instantly available upon approval. Seeing this, and given the fact that I had been an existing Capital One customer, I applied for a new XXXX credit card. However, the card was not instantly available. I had relied on this advertisement because I needed a card to pay rent. Capital One advised that it would take two weeks for the new card to arrive in the mail. As a result of Capital One 's failure to honour its advertisement of instant card availability, I have now incurred significant late fees in paying my rent.
Consumer complaint received 2022-05-14
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-25
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. (FL)

In Accordance to Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U .S.C 1681 604 A Section 2 also States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I have XXXX XXXX XXXX Loans which were originally serviced by XXXX XXXX but were transferred over to Aidvantage in XX/XX/XXXX. I have been assured by Aidvantage that repayment on my XXXX loans are on pause until XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX debited my checking account for monthly payment amounts per each loan account without my authorization. I have reported this to my credit union as a nonauthorized ACH debit withdrawal and requested that I be reimbursed immediately. Furthermore, I requested that XXXX be blocked from making any further ACH debit withdrawals given that they no longer service my loan accounts since XX/XX/XXXX. XXXX did not provide me with any prior notification that they would initiate ACH debit activity beginning XX/XX/XXXX.
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX I was informed XXXX XXXX XXXX filed suit of a credit account they purchased in Small Claims court. I asked for information on the original credit card company and was denied any information on a old Credit card dispute over XXXX XXXX years ago. I am on a XXXX XXXX XXXX as of XXXX. The last payment was in XX/XX/XXXX but was told to get a copy or statements from XXXX XXXX XXXX I would have to pay all late fees and over limit fees FIRST... The dispute is the original Credit card XXXX would Post most payments on the day after the due date every month. I made a point to MAIL all payments in XXXX weeks prior to due dates ... After multiple attempts of trying to resolve the dispute and having my dispute filed to Credit Bureau .... The harrassment was overwhelming and the only recourse was to close the account which I did in XXXX. XXXX of the amount they claim I owe are Fraudulent Late Fees that continued for years. I am on a XXXX XXXX Permanent medical XXXX. Thank you for any assistance in this matter.
Consumer complaint received 2022-06-04
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: National Credit Systems,Inc. (MI)

THIS DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW 554.134, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXXXXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.
Consumer complaint received 2022-04-15
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. (GA)

There are 2 names on my report with Experian showing XXXX XXXX XXXX and XXXX XXXX. My name is XXXX XXXX. I have sent letters certified and regular mail Experian hasn't responded. I called Experian today XX/XX/15 I was told they have not received any disputes by mail from me. I find this to be strange considering the letters I sent certified shows they were received. I have a complaint filed on Experian for the account XXXX shows a collection with name XXXX XXXX. I was told there isn't anything in dispute with Experian. I see the complaint I filed and Experian said there's not a complaint. The names XXXX XXXX XXXX and XXXX XXXX and the bogus account XXXX XXXX need to be removed from my credit file. I'm being ignored by Experian they are profiting off me. I have an open complaint submitted XXXX on consumerfinace.gov for the mentioned account XXXX. The account XXXX has been removed by XXXX.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

Back in XXXX of XXXX, I received a letter from Freedom Morgage that my escrow check had not been cashed in 180 days. I called the company and asked them to have the check re-issued to my current address in XXXX as the house I owned in XXXX was sold in XXXX and I was no longer at the address. The representative tried to initially tell me that I need to update my information online but since paying off my mortgage, I have not had online access to freedom mortgage account. 

I then called in XXXX and asked that the check that was issued in XXXX, be canceled and re-issued to my new XXXX  address. There staff assured me it would be canceled and re-issued within 7 - 10 business days and I expressed I needed the funds for the closing a new house. 

I called Freedom Mortgage after 7 - 10 days and the rep said it was still in progress and needed to wait another few days. Then I call the last week of XXXX, and the representative tells me that the check that was mailed in XXXX was mailed to XXXX address, which was a lie as I never received any direct mail, only forwarded mail. I then asked the representative to cancel and re-issue the check and that I would call daily to check the status. This is where it gets interesting in their lack of documentation and overall care for consumer data. 

I called Tuesday, XX/XX/XXXX, and spoke to XXXX, employee ID XXXX who said that he doesn't see a check was re-issued, then said he did see that was in the process of being re-issued and going to be sent to the XXXX address. Then I receive a call from XXXX, employee ID XXXX, who says that the check was sent to the XXXX address, and that the newly re-issued check would also be sent to the XXXX address. Then I call XX/XX/XXXX and XXXX, employee ID XXXX who tells me the checks were mailed to the XXXX address oringally and that all the information I received up until that point was inaccurate. 

At this point I'm at a loss on how to get my escrow funds that are owed to me so I can assist in purchasing another home. The amount of pain and suffering I've endured is ridicouls for any one borrower to endure especially with all the things that are going on in the world today.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.