davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

I spoke with the representative at XXXX XXXX about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.
Consumer complaint received 2022-07-27
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (GA)

I Sent a letter off on XX/XX/2022. With tracking number. To remove personnel information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681.I have the right to privacy. Also, according to 15 USC 6802, No financial is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

Todays date:XXXX XXXX, XXXX XXXX XXXX. SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SECURITY CREDIT SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-07-27
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$520.00} XXXX  XXXX  XXXX Balance : {$310.00}
Consumer complaint received 2022-07-27
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-12-28
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. (CA)

There were inaccurate reports of late payments on a closed account, even after the closing date inaccurately reported, and when I had disputed it in on XX/XX/22 they did not respond and no changes were made. I disputed it again on XX/XX/22. 

Passed more than 30 days later after XXXX 's disputes, the Credit bureaus stated my account was properly investigated but my current credit report now displays that TransUnion had deleted the payment history, XXXX changed the dates, which are still inaccurate, and XXXX erased their payment history to unknown status. 

Also, between all three credit bureaus ; TransUnion, XXXX, and XXXX, the opened dates reported are inconsistent and inaccurate, the closing date is inaccurate, last payment made is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also violated my rights under : 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 Also, the Credit bureaus took exceedingly more than 30 days to complete my investigation.
Consumer complaint received 2022-04-06
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. (FL)

I have failed to receive notice of investigation from the following XXXX bureaus : Experian, XXXX, and XXXX. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.
Consumer complaint received 2018-05-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NJ)

XXXX XXXX  XXXX. XXXX was the lender for a property at XXXX XXXX XXXX, XXXX, XXXX that was FHA financed. The closing was in XXXX, 2016. It was sold under the XXXX ( XXXX XXXX XXXX XXXX XXXX ) aka 24 CFR 291.545 ( c ). which gives the selling broker the right to collect their commission from the purchaser. This was in accordance with HUD 9548 contract between the buyer and HUD which showed no real estate commission was to be paid by HUD. A written agreement was entered into between myself and the purchaser for the payment to me of a {$10000.00}. commission. XXXX XXXX received a copy of this agreement prior to the closing. However, they also received a commission bill from a HUD listing broker*. ( who would later admit in writing ) that they performed no selling services in the transaction. Annie Mac prepared the RESPA DOCUMENT that the Title Company subsequently used to make the commission payment to be made as shown in the RESPA statement on lines 700-703. This showed the HUD broker was to collect 1/2 of the {$10000.00} commission - {$5400.00}. 
( CFPB should also be interested in this complaint because the commission was paid for by the purchaser to the other broker with HUD mortgage proceeds. ) *HUD listing brokers only receive commissions when HUD specifies this in their 9548 contracts with purchasers. The HUD 9548 HUD approved did not have a commission stated because the sale was a GNND Sale. HUD sells these properties at 1/2 price as part of a " XXXX XXXX XXXX '' to teachers, police officers, teachers, and EMT 's. They did not qualify as a " third party beneficiary '' in this sale.
Consumer complaint received 2022-04-06
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Balance Owed : {$17000.00}, I believe it was reporting in error.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Financial Group, Inc (VA)

A membership was purchased under the pretense that we could cancel at any time. After three months of paying on time I decided that the membership was no longer useful and notified them in writing which they requested that I would be canceling it. After several months they send a letter saying I still owe a balance and it would be turned over as a debt if I didn't pay said amount.
Consumer complaint received 2022-07-27
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. (SC)

I am writing of about this XXXX XXXX account that was previously disputed and somehow verified as accurate both by Experian and XXXX. It is clear that no real investigation was done as the information is still incorrect and there are inconsistencies with the info showing on both credit reports which should not be the case if both bureaus actually reasonably investigated this account. 
1. Both bureaus are reporting different " Date Opened '' dates. 
2. XXXX reports a closed date but Experian does not. 
3. Both Bureaus are reporting different " date of last activity '' which should not be the case had this been reasonably investigated after my initial dispute.

4. The account status is listed as " closed '' on a " charge off '' but yet lists a " past due amount '' of {$420.00} which is in violation of the FCRA and negatively impacts my DTI when any charge off account should be listed as " 0 ''.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

tried to submit credit freeze with experian on XX/XX/2019 by phone providing info and experian would not do it and said to send by mail with photo id. i do not want personal info in mail. data breach reported by my XXXX account but can not reach experian to freeze.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$310.00}
Consumer complaint received 2022-07-27
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$310.00}
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (TX)

remove not mine fcra vioaltions : XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, SC XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, TX, XXXX
Consumer complaint received 2018-05-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I applied for a mortgage loan and from the beginning I tried to request a 60 day rate lock. I was told this was not needed because I was putting a large downpayment of {$220000.00} there should not be any issues. The home was being purchase from my brother for {$400000.00} and a loan was being requested for {$180000.00} for a period of 20 years. 
on. The loan application was started on approximately XX/XX/XXXX on the week of XX/XX/XXXX I was informed that while checking my credit there was a fraud/extended fraud alert in the credit agency. I provided proof that XXXX, XXXX and XXXX show no locks. I was told told that XXXX had it and it needed to be clear in order to proceed. On XX/XX/XXXX I faxed proof of id and request to have any and all extended fraud alerts removed. The representative told me that the request was received and it will take two business days to complete in there system. On Tuesday XX/XX/XXXX I called and verify that the request was removed through the confirmation number provided by XXXX. On XX/XX/XXXX I was informed by Citibank mortgage loan officer that all three credit bureaus are reporting fraud alerts and if not removed by consumer loan rate will not be honor and the process will have to start over. An appraisal on home was made on the first week for an outrageous price of almost {$700.00}. The average price for appraisal by other companies is about 400 -500. I was forced to go with Citibank appraisal and it was conducted on XX/XX/XXXX. Citibank despite my efforts to clear fraud alert is saying closing of loan will probably not occur and rate lock will not be honor. I find this type of business as unethical as I tried to get a rate lock for 60 days in the event something did not get accomplish.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (AZ)

XX/XX/XXXX I opened a secured card with Discover Card Services by depositing {$200.00} with Discover. During XXXX   XX/XX/XXXX or XXXX XX/XX/XXXXI contacted Discover and asked when would the security deposit be returned, because I wanted to increase my limit which would require additional funds deposited with Discover. I was told my account history would be reviewed after 7 billing cycles after which, my account would be converted to a regular card and my security deposit would be returned 10 days later. 
In addition, I would not be allowed to deposit addition funds to increase my limit because my account would no longer be a secured card account. At that point I decided to increase my limit by depositing the remaining funds to increase my limit to the {$2500.00} maximum. In XX/XX/XXXX, I had not received my security deposit which should have been returned over 30 days prior. I contacted Discover and was told that a review was done and my card was not converted and would be reviewed every month until it is. I was also told that I had a 30 day late on my account which was the reason the account was not converted. I had never had a 30 day late. 

I contacted Discover today after nearly a year ; and I was told that my account has not converted over as of yet and it would continued to be reviewed. At this point I feel Discover baited  me into depositing funds into a security account and being given a time frame to return those funds ; now that time frame is to the discretion of Discover and no one can tell me when that will be. So instead of actually utilizing my funds as collateral for a predetermined time frame, 6 months, which is reasonable, I am being forced to essentially pay Discover monthly interest for borrowing my own funds, which they have control over..
Consumer complaint received 2018-11-27
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. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX {$2900.00} XXXX XXXX LAST REPORTED : XX/XX/XXXX {$2900.00} XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX LAST REPORTED : XX/XX/XXXX {$270.00} NEEDS ATTENTION XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX CLOSED : XX/XX/XXXX {$3600.00} CLOSED XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-11-26
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. (VA)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill