davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2022 i vied my credit reports, and seen that ALL THREE credit bureaus were reporting false and misleading information on my credit reports, therefore i contacted the bankruptcy court in XXXX Ga, and talked to a court rep, who stated on a recorded line that the courts DO NOT REPORT TO CONSUMER REPORTING agencies, which is a FCRA VIOLATION, but she stated that the information is public and that's how the consumer reporting agencies get the information, which is a violation of my privacy pursuant FCRA laws. for only I the consumer can give permissible permission to report ANYTHING on my credit reports and only i the consumer can VALIDATE any information reporting on my credit reports, so knowing that the information was fraudulently used from PACER database by a third-party consumer reporting agency which is breaking federal laws and violating my privacy as a consumer, this information needs to be deleted from my credit reports immediately! I mailed all three credit bureaus letters on XXXX and have not heard anything from them or the investigation into this matter which is another violation of my FDCPA and FCRA rights as a consumer, i am filing this complaint today, on XXXX, EXPERIAN, XXXX for reporting false and misleading information and they are committing fraud by doing so!
Consumer complaint received 2023-09-15
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of bankruptcies in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-04-13
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. (KY)

I have gotten information today XX/XX/22 that the credit bureau Trans Union has been using my information in the dark pattern. They have been sharing my information and I want to have my credit report completely cleared of anything that wasn't added this year.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (UT)

XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at zero blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Around XX/XX/2017, I opened a new Business Platinum credit card with American Express for a newly formed company ( XXXX XXXX, XXXX  ). While some charges were made to this account for a remodel project, ultimately, I decided not to proceed with the business, and I subsequently closed the credit card. Any charges made on the card were timely paid in full. 

At the time I closed my account, I had at least one other ( personal ) account open with American Express. Under my Platinum Business Card, I had earned ( and redeemed ) Membership Rewards points, and I had substantial additional points still in my account. 

When I called to close my account, no mention of even the possibility of any of my points being deducted or withdrawn from my account was ever mentioned. Many other terms and conditions of my account closure, some of which were not nearly as material, were mentioned by customer service representative. 

The Membership Rewards points were not deducted from my account immediately upon account closure. I am not certain exactly when they were deducted, as no notice was ever provided to me, and I only realized this issue when I logged into my account online a month or two later to check my personal Green card account and I saw a negative Membership Rewards account balance. 

Only when I contacted the Membership Rewards team, was I informed, for the first time, with regards to the 12 month minimum time period to keep an account open. They told me this was in the " fine print '' of my terms and conditions agreement. I was quite upset about this ; had the original Customer Service representative I had spoken to while closing the account brought this to my attention, I could have easily met the requirement. I was further informed that the 12 month period is only sometimes enforced- only when American Express believes that there may have been account abuse. I find this assertion ludicrous and insulting. I opened a new business, including the filing of required forms and documentation with the State of California, hired an attorney to prepare partnership documents and other matters, and opened credit cards and checking/savings accounts for the business. When I determined not to keep the business as a going concern, I did what any person would do, which is to close all the accounts associated for the business.

I have used various American Express cards and products for many years, including when I was a minor under my parents accounts, and I have never had any issue opening or closing accounts as per my needs may have dictated. Additionally, I have never had late payments or accounts not in good standing.

I have attempted several times to resolve this issue and get my points returned by AMEX simply refuses to do anything about this issue!
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously filed a complaint regarding important credit history missing from the 3 credit reporting agencies, TransUnion, XXXX and XXXX. Out of the three agencies I have acquired one accurate credit report summary from XXXX that reflects my correct 30+ year credit history summary. When I checked my credit reports around 4 months ago, all 3 agencies were the same as this attached copy from XXXX. 

Once more I would greatly appreciate your assistance in getting my credit history summary corrected with TransUnion and XXXX.
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

I over paid my primary mortgage insurance on loan # XXXX as a first time home buyer. My former last name was XXXX. I finance my mortgage loan with HSBC ( XXXX  XXXX aka XXXX  ) formally known as beneficial. Ive paid primary mortgage insurance from XXXX to XXXX. While my loan was in foreclosure with their loss mitigation dept. due to loss of income, I inquired if I could pull money out of the primary mortgage insurance escrow account. I was informed that there was no money available. It is my understanding that primary mortgage insurance should only be paid for XXXX  years instead of 11 years. Had the money been refunded I couldve use the difference to offset the bad debt. My house was significantly under appraised by a court appointed XXXX. As a result, I lost money on that transaction as well. I was cheated out of money due back to me. I would like to file a formal complaint against them!
Consumer complaint received 2022-10-15
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. (IL)

I'm victim of identity Theft, I have filed report with FTC as well as a Police Report in my community, I have sent to Equifax disputing letters like 4 times, they still denied removing one of accounts that been opened by fraud. ONLY EQUIFAX has reported this account and keep saying to me like this account has been verified. HOW?? If two other Credit Bureaus removed this account and Equifax has been verified. From my last letter that I mailed to them in XX/XX/XXXX they didn't even responded. All my mails been sent with certified mail and return receipt. I can have all proof of violation my rights. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this in inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account.

I'm willing to explode all my rights and send all information to Attorney General.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

In 2019 my Vehicle was impounded. The creditor was informed that I could not afford to get vehicle out of impound. Im not sure what happened to vehicle after this. There was no letter sent stating car was auctioned or a decrease in money owed on credit report. Its been 3 years since having the vehicle in my possession. 
Credit Acceptance still reports the original balance and report late payment every month
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED XXXX REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY EQUIFAX AND XXXX. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED TRANSUNION REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY XXXX AND XXXX. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.
Consumer complaint received 2018-12-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

VICTIM of TranUnion inquiry misreporting issue and their customer service would not help and take care of the negative inquiries reporting to your credit report. Inquiries to be deleted are as follows : XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-04-11
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. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : TransUnion : XXXX XXXX Balance : {XXXX} XXXX : XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX Balance : {XXXX}
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

Received the loan from 21st mortgage on XX/XX/2019. they advertise loans with 10 percent interest rate and terms upto 23 years. Our loan is for 10 and one half years and interest of 11.74. I believe they discriminate based on age, giving higher interest rates and shorter terms to older consumers. 
I contacted them with my complaint and they gave me a bogis answer that I never heard during our loan application process. At the time of our loan negotiation that excuse was never mentioned. My loan is for a small mobile home on rented land, we gave 10 percent down and ended up with a loan amount of {$45000.00} with payment of XXXX per month.
Consumer complaint received 2022-10-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card XXXX XXXX XX/XX/XXXX XXXX Account Charge off PAST DUE as of XX/XX/XXXX.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-23
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. (WI)

I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.
Consumer complaint received 2022-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I called originally on XX/XX/XXXX, too submit a refund on a loan payment I made in XXXX of XXXX. Representative told me it would be 7 business days for a refund and I asked her to update my phone number and address on file. Called back on XX/XX/XXXX since I had no update, took me 8 hours on hold to wait to talk to someone. She said my address was never updated and she had to update it again! Asked if there was an update since it was almost a month and I havent received any update. She said there is no new information she would provide too call back in the middle of the month and see if anything has happened. I dont have all day to be waiting on hold too talk to representative. I still have too this day not received my refund or an update. Emailed MOHELA and no response on their behalf and its been over 2 weeks that I sent that email.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MO)

This is a new complaint but it follows my last one which was : XXXX. After my last complaint that the bank was foreclosing because I did not sign the appropriate papers. I am pleading with you for help. The following are my issues : 1. DITCH Foreclosed again! 
2. Although the bank did respond to you, I did not get anything from the bank until after the foreclosure on Monday, XX/XX/XXXX. 
3. The Atty General 's office of Missouri wrote a letter to the bank and asked the bank to postpone the foreclosure so I can reapply for loan modification. 
4. I reapplied and I also set in the original paperwork.
5.The bank sent an e- mail to the atty general 's office on XX/XX/XXXX that they are requesting a postponement and will get back to him. 
6. I called the bank onXX/XX/XXXX and asked if they got everything i sent in as far as the original papers and the loan modification papers. 
7. The bank told me on XX/XX/XXXX that they got my papers and everything is ok and I am being put back on the same mortgage payments as before. I asked them if I will get that in writing and they said " sure '' in the near future. 
8. I am in Chapter XXXX and my attorney took the house out of the plan while I was in loam modification. I was paying my mortgage every month without any problem. My attorney told me that if I am having a problem with the bank and the foreclosure he can put my house back on and I will be protected from foreclosure. 
9. He did n't do it bec the atty general 's office told me that everything seemed like ok and it looks like its being postponed and if they hear anything they 'll let me know. 
10. And the bank told me I was ok and no foreclosure. SO my atty did not file to put the house in my bankruptcy which would have protected me if I knew they made a decision. 
11. I also was n't able to go to the auction which i understood i could have bec i did n't know it was still on. 
12. The Bank did n't tell me or the atty general 's office what they decided until after they sold my house and THAT IS NOT RIGHT! I could have taken care of things. AND the bank told me they are not doing it. 

PLEASE HELP ME!