davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Accounts XXXX XXXX XXXX Subject : Urgent Request for Deletion of Inaccurate Information Pursuant to the Fair Credit Reporting Act and Defamation Concerns : I am writing to address a matter of utmost urgency regarding the inaccuracies persisting on my credit report, as reported by your agency. I previously communicated my concerns, and despite your claim of having conducted a reasonable investigation, the inaccuracies persist, causing substantial damage to my credit score and resulting in defamation of my name, thereby adversely affecting various aspects of my life.

I have reach out to you and its been over a year In reference to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. Sec 1681i ( a ), I assert my right to dispute and request an immediate correction of any inaccuracies on my credit report. Your continued reporting of erroneous information is not only damaging to my creditworthiness but also constitutes a violation of the FCRA, which mandates the accuracy and fairness of consumer credit reporting.

The inaccurate information pertains to the following account : Account Number : [ Provide the relevant account number ] Despite my prior request for investigation, your company has failed to rectify the errors on my credit report. In accordance with 15 U.S.C. Sec 1681i ( a ) ( 5 ) ( A ), which requires prompt correction of inaccurate information, I demand that you IMMEDIATELY DELETE the inaccurate information associated with the mentioned account from my credit report.

The perpetuation of these inaccuracies is causing significant harm to my financial standing, and I am left with no option but to insist on the immediate removal of the erroneous information. Additionally, I am concerned about the potential defamation of my name due to the continued reporting of inaccurate data.

To ensure compliance with the FCRA, I kindly request that you provide me with proof of deletion for the inaccuracies associated with the specified account. You can send the proof to my email address at XXXX and the provided postal address. 
I expect your prompt attention to this matter and a swift resolution in line with the FCRA guidelines. Failure to comply may result in legal action being taken to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Including the requested documents, to my attention at XXXX and the address provided above. 

Your prompt attention to this matter is greatly appreciated, and we anticipate your cooperation in resolving this issue promptly.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Executive Credit Management, Inc (NJ)

On XX/XX/2020 I was notified by XXXX  and XXXX  that there was a collection account added to my reports. I immediately reviewed my reports to see that Executive Credit Management Inc had added a collection for a past due bill with XXXX XXXX, which was a rental unit I had moved out of over 5 years ago. During the time I moved out I was slapped with a bill of charges that were not mine and it was settled with my lawyer and theirs. 
As I did my research on the new collections account I see that the bill was sent to them on XX/XX/2020. This was over a year after I had filed bankruptcy and all past due accounts were discharged and I was no longer obligated, according to the US Bankruptcy courts, to pay. 
I sent out certified letters to the original creditor, XXXX XXXX, with no reply back and to the Executive Credit Management Inc on XX/XX/2020 stating the debt was resolved and the file they paced on my credit report was fraud. Shortly after they received the certified letter they placed the account in closed status on my credit reports. 
According tot he laws they need to remove this account comply because they are framing the system. The account should never have been there in the first place since the debt did not exist. 
Both the collection agency and the original collector should know the laws if they plan to collect on old debt. 
I do have copies of the letters I sent both parties with printouts of the dates and times they received the letters. 
Both companies are defaming my credit report by doing this which I believe is called " debt parking '' and is a serious crime.
Consumer complaint received 2018-10-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (FL)

I applied for an FHA loan with XXXX XXXX. We corresponded via email regarding all items needed by the underwriter to approve the loan. On XX/XX/2018 at XXXX XXXX I received an email from the processor who advised that the closing department was working with the title company to get the final figures and then my closing disclosures would be sent for me to sign. I was advised to sign the documents once received because this would start my 3 day period for closing. I received my closing disclosures, signed and returned them the same day XX/XX/18. Then I woke this morning to an email from the processor with additional conditions to clear before closing. In the mortgage business I know that the closer only sends out closing documents after the underwriter has issued a clear to close. How is it possible for the Finance company to come back after the closer has sent the closing disclosures and request additional documentation? They advised me that their company has different procedures than other banks and mortgage companies. They need to be investigated. I feel they are misleading consumers and are causing me to miss a deal in which I have a binding contract with a seller.
Consumer complaint received 2022-05-03
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. (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. 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.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2022-02-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Experian failed to investigate a dispute. I submitted a letter disputing XXXX items on my Experian credit report, XXXX XXXX XXXX and XXXX XXXX. Experian opened a dispute for XXXX XXXX, and did not open a dispute for XXXXXXXX XXXX XXXX. I would like XXXX XXXX XXXX deleted for failure to investigate. I attached the original dispute showing both accounts and XXXX screenshots showing only one acct was in dispute, and XXXX XXXX XXXX was never listed as disputed.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (TX)

I have had a lot of problems with Goldman Sachs and I'm worried that they loose financial transactions and then I need to spend many hours fixing problems ( last issue took 7 connections with GS and a complaint to the CFPB to resolve ).

I asked to have my account closed. I had the representative confirm that I have no outstanding balance and that there are no pending transactions. Even after that the representative wants me to agree that I will pay any outstanding balance. Given the unreliability of their previous activities, I am only willing to agree to the statement that I agree that I have paid my account in full and have no outstanding obligations to Goldman Sachs.

I am not willing to commit to paying some nebulous charges that they may " find '' in the future. I want my account closed without being held hostage to GS for any future mishaps on their side.
Consumer complaint received 2021-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington closed out my HELOC without my knowledge. I have talked to the branch where they confirmed they have in the system I talked with a representative and told them I wanted to keep the HELOC open. I went to close on a house and they told me it wasn't available. The representative also said they don't have anything on file where my wife or I requested for it to be closed. I have been waiting on a response but the local branch can't get an answer from corporate.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Millennial Home Lending, Inc (TX)

I refinanced 2 investment property loans at the same time with Cake Mortgage, aka Millennial Home Lending, Inc. For one loan, the initial Loan Estimate had the appraisal fee at {$490.00}. The initial Loan Estimate for the other loan was at {$550.00}. The appraisal fee on each closing disclosure increased to {$1200.00} without a valid change of circumstance provided to me. The company needs to refund me the difference on both loans. 

I called various people at company prior to closing, so that this could be straightened out. Instead of providing an explanation and resolving the issue, all people I spoke with said nothing could be done.
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the fair credit reporting act, XXXX 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 XXXXXXXX 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 consent.
Consumer complaint received 2022-05-03
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: RoundPoint Mortgage Servicing LLC (AZ)

I have two delinquent payments on my credit report that were due to some circumstances that were beyond our control. 

XXXX. In XX/XX/XXXX Round Point mortgage originally had a billing issue and when they sent their bill they were sending it to the wrong address. So, they actually removed the delinquency, but when we sold the home 6 months later they added the delinquency back. It's almost like they were upset not to keep the loan. So, I called them and asked them why they removed it one time and then added it back later, and they said they had to report correctly to the bureaus. Then I told them how they were at fault for the original issue and once we got the correct address resolved then we paid the mortgage and put it on autopayment. They refused to remove it again. I find it very suspect that they would remove it, and then eventually put it back on later once they were no longer our mortgage lender. You can probably see from your end and from the credit agencies where they did remove it and then put it back on the credit reports. 

XXXX. In XX/XX/XXXX our mortgage was purchased by XXXX bank. We had just purchased an investment property in XX/XX/XXXX and the mortgage was sold to flagstar bank. So, we had the mortgage on autopay with the previous company and thought everything was fine. During this transitions, in XXXX and XXXX we were the victims of some scams and fraud where our mail was not getting routed to our address ( it was all getting sent to the post office ), and XXXX didn't have our mailing address po box on file, so we weren't getting the bills. Once I saw the delinquency on the credit report I immediately called them and paid the balance, set the mortgage up on autopay, and told them the issue. I then went to the post office and found out they had been holding our mail for XXXX, XXXX, XXXX ( See photo of me picking up the mail at the post office ). The lady at the post office was shocked to see so much mail and didn't understand why I wasn't notified with a letter or note on my door. The mortgage company said they don't handle dispute issues over the phone and I had to do a written request. So I sent in my request stating the billing address error and the mail fraud error, and they declined our request to have the delinquency removed. You would have thought they would have called me first after 15-30 days to do some collection services before submitting a delinquency to the bureaus. 

Both of these instances were billing errors on the part of the mortgage company and the company did not take any responsibility. They also didn't call me to ask me why we were late or discuss payment plan options, or in the case of flagstar they didn't call to see if we were distressed during COVID. In each case, they both showed quick hard handed responses to issues that were simple to be resolved with a mere phone call.
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (PA)

I recently checked my credit and noticed that XXXX is reporting inconsistent information with the 3 credit bureaus. On XXXX   they report that the first missed payment was in XX/XX/2017. On XXXX  they report the first missed payment was in XX/XX/2017. And On XXXX they report it was XX/XX/2017. I do not agree with that information it can not be factually accurate. They also report that i went from 30 days late to 90 days late in just 1 month that is also not possible.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM A VICTIM OF IDENTITY FRAUD. I RECENTLY FILED A DISPUTE WITH TRANS UNION A CREDIT REPORT AGENCY. THE REPORT HAS SOME INACCURATE INFO. THE PERSON WHOM THESE ACCTS. BELONG TO LIVES IN XXXX, KANSAS. UNFORTUNATELY THEY ARE USING MY INFO. TO OPEN ACCTS AND OTHER SERVICES. 

THE ACCTS. IN QUESTION APPEAR AS CHARGED OFF. THEY DO NOT BELONG TO ME. 
HOPE YOU CAN HELP ME AND OR GIVE ME DIRECTION ON HOW TO GO ABOUT BLOCKING THE USE OF MY SSN. AND OTHER PERSONAL INFO.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WV)

I wrote a letter requesting investigations into the incorrect information that is showing on my credit report. I also requested an update to my fraud alert with the correct phone number. Two weeks later i received notification from the company saying that its complete because every item was not showing. When i check my most recent credit report directly from the company all the items remain in the same status and its still incorrect. The fraud alert was updated.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XX/XX/XXXX : All Credit Reproting Agencies need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.
Consumer complaint received 2019-10-18
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. (GA)

I am a pretty savvy consumer and already knew what my credit score was in XX/XX/2018 because I just bought my daughter a car in XX/XX/2018 and saw my scores at the dealership. Transunion has been billing me XXXX a month for a credit monitoring service since XX/XX/2018 but it has been buried in my XXXX bill and I just noticed it. I disputed the charges but they can only dispute 60 days, I called Transunion and asked how I got signed up for this 'deal ' and they said I signed up for a trial offer for XXXX and didn't cancel ... again, I had no need to check my credit scores at that time so I believe this is fraud. They also claim I used my work address and I never use that address for any personal commercial business because XXXX flags that activity ( screen shot attached ) I have cancelled but I believe I should be refunded all of my money : XXXX : XXXX
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the fair credit reporting act, XXXX 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 XXXXXXXX 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 consent.