davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FBC MORTGAGE, LLC (FL)

On XX/XX/2018 I was alerted through XXXX that a negative item was placed on my credit report and needed to be reviewed. Upon logging into the XXXX   XXXX XXXX   portal, I was alerted that FBC Mortgage has reported a account as 30 days past due. FBC sold my previous account to XXXX XXXX in XX/XX/2018. All payments prior to the sale of the loan were made on time or before schedule. I contacted FBC today and spoke to a customer services representative who informed me that yes, in fact FBC did report inaccurate information to the 603p bureaus. I asked for this to be corrected as it is the duty of the furnisher to ensure accurate information is reported to the bureaus. I do understand that FBC has 30 days to perform a re investigation as to the inaccurate reporting. However, I was told that I needed to provide complete copies of my personal credit report to FBC so they can do the re investigation. I should not have to provide proof to the lender if they reported the information inaccurately and they are the ones who have a contractual business relationship with that bureau ( s ). The customer service representative stated on a recorded line that in fact it was FBC 's mistake and was reported incorrectly. If I sent my complete credit report to them via fax or mail, once they received it, they would review my claim. 
My concern is that if I needed to apply with a lender and they saw a possible " 30 days past due '' on a real estate loan, that I would be considered high risk when in fact I am NOT and NEVER WAS past due on that loan.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On my credit report I noticed 2 delinquent, and then derogatory, credit card accounts for 2 different XXXX XXXX stores in IL and SD. I live in Colorado and have never shopped at a XXXX XXXX. The cards were issued by XXXX.
Consumer complaint received 2018-10-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Motolease, LLC (TX)

Last month, I filed a complaint against Motolease because they were reporting inaccurate information on my credit file. They continued to report my account as active and delinquent, despite the fact that the account has been closed for quite some time now. They responded to the complaint, and stated that they would correct the account on my credit profile. To date, this correction has not been made.
Consumer complaint received 2018-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

In XXXX, I was unemployed and self employed. I attempted to forebear some of my payments and Navient would not allow it. I filled out hardship and forbearance requests and was denied. In XXXX, received Loan Repayment Assistance from my former employer. The company would not let me make payments on defaulted Loan to avoid negative credit reporting. I have paid off one of my private loans in XXXX but was not allowed to make payments on the defaulted loan. The loan has since been charged off.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, 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. (FL)

XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX SS # XXXX-XXXX-XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX , XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX, Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # XXXX-XXXX-XXXX
Consumer complaint received 2018-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I took out a private student loan with XXXXXXXX XXXX in XX/XX/XXXX to attend the University XXXX XXXX. I've been in school on and off part time to full time since that time and have been in and out of in-school deferment with that loan. It was recently sold to Navient in XX/XX/XXXX when I was enrolled full-time and was in an in-school deferment. In XXXX, I was informed I would no longer be in deferment for that loan since I was not enrolled in classes over the summer and contacted Navient. They informed me my only option to avoid repaying my loan was to go into forbearance for the loan for three months until I started school. I was told I could go back into in-school deferment at that time. From XX/XX/XXXX, until XX/XX/XXXX, I was in forbearance. A payment was billed to me at the time and I started school again full-time on XX/XX/XXXX. My loan still hadn't been put into in-school deferment as of XX/XX/XXXX, so I contacted Navient and they verified I was in school and applied for an in-school deferment. On XX/XX/XXXX, I received an e-mail stating I was not eligible for deferment with no reason given. On XX/XX/XXXX, I contacted Navient again and spoke with a specialist who informed me my deferment time had expired in XX/XX/XXXX. This is misinformation as I was told the only option I had in XXXX was to go into forbearance. Deferment should not have expired if I was forbearance or I should have been told deferment was an option.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (NV)

On XX/XX/XXXX AND THE XX/XX/XXXX XXXX XXXX XXXX, and, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit  companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV I called and spoke to the manager no help there.
Consumer complaint received 2022-10-18
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. (PA)

Please remove XXXX  XXXX XXXX, XXXX and XXXX XXXX  off my credit report these account are volating my rights under the FCRA under idenity theft on veterans in XXXX XXXX on XXXX. THESE ACCOUNTS ARE IN LITIGATIONS with XXXX AND EXPERIAN for applying these accounts without first verifing accurate information on personal credit files. Please hold these credit bureaus accoutable.
Consumer complaint received 2022-05-04
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. (MD)

XXXX XXXX XXXX MY CONCERNS WERE IGNORED Date opened XX/XX/XXXX Balance Paid in full Status Transferred, closed. 
DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  REPORTING INCORRECT DATES Date opened XX/XX/XXXX Balance o paid in full and written off by creditor multiple years in arrow then sold the debt to it self and other creditor Status Transferred, closed DELETE PAYMENTS SHOWN AS LATE XXXX XXXX XXXX XXXX  Reporting incorrect information Date opened XX/XX/XXXX Balance {$24000.00} is incorrect Status Open. Balloon payment of {$3100.00} due XX/XX/XXXX DELETE PAYMENTS SHOWN AS LATE XXXX No contract with creditor. Creditor has fail to provide signature contract with original debtor Date opened XX/XX/XXXX is incorrect Balance {$4500.00} incorrect Status Collection account. {$4500.00} past due as of XXXX XXXX. Incorrect. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. XXXX opens closes account without written notifications. 

XXXX XXXX contract with creditor. Creditor has fail to provide signature contract with original debtor. 
Date opened XX/XX/XXXX is incorrect XXXX {$3000.00} is incorrect Status is incorrect.

Collection account. {$3000.00} past due as of XXXX XXXX. This reporting is illegal and it is infringing on my consumer privacy laws. 
Verify account or delete from my record. 
Creditor has written debt off multiple years in a row since XXXX. Current opens closes account without written notifications.
Consumer complaint received 2019-03-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IN)

I had cancelled my XXXX service. I was told my XXXX that I had 90 days to pay remainder of the bill. Two weeks later it was forwarded to Afni collection agency. They have been harassing me with phone calls. I've never received anything in the mail pertaining to the debt and when they called, I had no idea that I could dispute the amount with them. In fact, I was told that I couldn't dispute. I received a phone call today and the man I spoke to was very rude and called me an XXXX for not knowing I could dispute the debt and he then told me I was lying about not receiving any letters.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I requested a copy of my credit report and I found a collection account being reported by this company. I have never received any communication from said company about any debts so I proceeded and mailed a debt validation request to the address they had provided to the credit bureau. They refused to respond to the letter which is a clear violation of the Fair Credit Reporting Act and the Florida law regarding debt collection practices. I request they remove the account from my credit report no latter than XX/XX/2022 per the guidelines of law.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXX  Account # XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: Experian Information Solutions Inc. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 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 2022-05-04
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. (GA)

XXXX Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX Transunion Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number
Consumer complaint received 2021-06-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

On XX/XX/2021 I started an application for refinance of a VA mortgage held by Penneymac. My information was taken over the phone by a Loan Agent. I next received a secure encrypted message with loan documents to be " E-signed '' and after complying with this request I received a notice that a NOTARY PUBLIC would visit my home to notorize documents. On XX/XX/2021 two people arrived. They informed me that my wife and I would be required to manually sign 52 documents. I informed them that my wife is XXXX years old and suffers from XXXX XXXX. I then asked if I could sign for her, he replied that " Only if I had Power Of Attorney ''. 
I strongly feel that this requirement should have been disclosed prior to the application process start. I feel that they deliberately withheld this important item for fear we would not proceed with the application. 
I then called to speak to Processing Agent, she was not available. 
I then asked for Loan Agent, he was not available either. I then asked for a manager. After a long hold I was connected to a woman who said she was a manager. She started off with a clear voice asking for my name and personal information BUT when she had to reply to my questions for information, her voice suddenly got unintelligible. When I complained she said she would hang up and call back. She never called back. One other thing : I CLEARLY ASKED TO WITHDRAW MY APPLICATION & RECEIVE A CONFIRMING MESSAGE. This they failed to do also. 
EXISTING LOAN NO. : XXXX
Consumer complaint received 2023-02-14
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts 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 2020-12-13
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: Consumer Adjustment Company Incorporated (TX)

On XX/XX/2020 Consumer Adjustments company added a derogatory mark on my credit report identify by XXXX XXXX. 

Upon researching, this account was transferred/sold and Im no longer responsible for this account. 

CACI didnt verify this collection. I requested on XX/XX/XXXX that XXXX XXXX a representative of CACI provided me with documentation that Validates my debt. 

As of today she has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. 

According to the FCRA, CACI has violated my rights as a consumer and Im requesting legal action to remove this account immediately!
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MI)

Account was closed XX/XX/2022 for aggressive movement of money against my wishes. Received a notice that my credit builder, checking abs savings account were closed and I would receive a check for my funds. ( Several thousand dollars ) in 30 days. Ive tried to contact Chime bank over phone but their phone service recognizes my number and refuses me to talk to anyone. Ive emailed XXXX as directed by their automated phone message 9 times and have not gotten a single response back. 

Its now been the 30 days and I still have not received my closed account funds nor can I get a hold of them to figure out whats going on.