davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
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. (FL)

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.

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 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi there, one week ago I noticed that Bank of America has closed my Credit Card without any notice. After I followed up several times, I received a letter stating that they closed my account because of several inquiries and high balances in my FICO report. I then visited a branch, talked to an officer and they connected me to Credit and Risk department, ( unfortunately I dont remember their name, but one of the was XXXX ) they kept insisting that the business made that decision, they said they were " concerned '' that I had balances in my report, but it doesn't justify their action because 1 ) I've been 100 % on time with all my payments to Bank of America and all other banks, in fact my credit report says 100 % exceptional on time payments, not a single late payment, 2 ) I've always been on time with my all payments to bank of america , and 3 ) very recently I opened a few line of credits with some credit unions for my business, that dropped my score from XXXX to XXXX, but I've been on time with my payments and am paying my loans. Nothing is wrong, I have a well-paid job and am also making money out of my business, and am paying back all my loans, no delinquency or late payments. In fact, like anyone else that they get loan, at the beginning you have several inquiries on your report and since you open a new loan, your credit score drops but as you start paying off, it bounces back. That credit card that I had was my oldest card/account and now that they closed this account only because they were " concerned '' it destroyed my credit history, profile and so forth. I find this bank of america 's action very unfair. They could have waited for when I was late on any of my payments then they could draw a conclusion that they were concerned about my other balances and then close my card, but with no convincing grounds, they closed my card and I want to sue them and file a compliant because I want that card/account to be reinstated. It's also interesting that I'm a gold tier customer of bank of america.
Consumer complaint received 2020-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MI)

I borrowed {$600.00} with the understanding that the {$98.00} per week I was paying was the interest on the loan, and that I could pay off the principal at any time -- they just told me that if I paid it off this week, I would owe {$780.00} in addition to the {$200.00} in interest I have already paid.
Consumer complaint received 2017-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

I have disputed my debt on 3 occasions, only to get the same response from Experian on XX/XX/XXXX, XX/XX/XXXXreporting number, and onXX/XX/XXXX. Experian disputes that my debt is not paid, not only is this incorrect, but has been on my credit report displaying inaccurate information. I have proof of written document signed by United States Attorney which includes his contact information. I also reported dispute process to XXXX on XX/XX/XXXX and have similar results with this company as well.
Consumer complaint received 2023-01-09
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)

I sent my complaints off on XXXX XXXX, 2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts : # 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 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (DE)

The information on CLUE is inaccurate as the accidents stated below listed me as " At Fault. '' These should be listed as " Not At Fault. '' XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No such event occurred. 

When I spoke with XXXX they are listed as not at fault. This is creating high car insurance charges. I need these removed immediately!
Consumer complaint received 2022-01-08
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. (PA)

I have filed multiple disputes against US DEP OF EDUCATION and US DEP OF EDU/XXXX for identity theft and attempting to collect a debt not owed, most recently XX/XX/2021, which in the course of their investigative consumer report the accounts were not removed within four days as it should be under identity theft. I constantly receive the response of the negative accounts being " verified '' but under an investigative consumer report, personal interviews with neighbors, friends or associates of the consumer reported on must be done. I have not gotten any information as to who was spoken to or any other verifiable information, to verify their claim. I also sent a notice to cease and desist on XX/XX/2021 complaint ID : XXXX to not communicate indirectly through any medium and cease and desist reporting the information to my consumer reports which has been violated due to the reporting of these negative accounts still being furnished to my consumer report defaming my character.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I am trying to refinance a mortgage on my property in XXXX, CT. The property was previously destroyed by Super Storm Sandy. At that time I took out a second mortgage to help with the rebuild through XXXX. The loan is current owned by the department of housing in CT. I am in of a subordination which has been obtained but is not being accepted by Peoples United Bank or XXXX XXXX XXXX. They are stating that it is not properly executed per the governors temporary orders regarding electronic signatures. 
Neither party Bank nor Department of Housing will budge. My closing date was cancelled and now I will be losing my rate lock. I have done everything humanly possible to try and get this resolved starting on XX/XX/XXXX. 
The Bank told me I was cleared to close and then came back an hour later and said let me know when you get the wet signatures. 
Anything you can do to assist will be greatly appreciated.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NJ)

Loan depot free refinance guarantee. They Guarantee no lender fees if you use them again in the future to refinance your original loan with them. Upon speaking with them about the free lender fees I was told we saved you enough money so we will not be offering you free lender fees. The gentlemen I spoke with was on a recorded line when he stated that. No where does it mention if they save me money lender fees will need to be paid. On multiple occasions I received different explanations on why I would not receive the credit. I wouldn't have even used loan depot if this was the case, they kept delaying a response i had so much time invested i had no choice but to move forward. I have plenty of correspondences from loandepot on the matter.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Sterling Infosystems Inc. (FL)

I recently received a background check with Sterling Talent Solutions. I was not properly notified when this background came in and on my report are two incidents that are not accurate as well as incorrect information. In addition, to these issue which took place over 24 and 19 years ago. This information in the first place should have never been included in my report as it is over 7 years old. I have recently filed a dispute with this issue. But the reason for my complaint is that I should have been notified right away if there was a problem as well as this information should not have been allowed to even show on my report even if they say they verified it. I understand the need for background checks but information that is not completely accurate or some what incomplete should not be allowed to be used.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please re-investigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please re-investigate and update or delete these disputed items. Please forward me the name and address of the persons contacted. 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 Balance Owed : {$290.00} CAPITAL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Owed : {$2200.00}
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

In a notice letter dated XX/XX/2021, I, XXXX XXXX XXXX, ( a " consumer '' ), did hereby provide written notice to EQUIFAX INFORMATION SERVICES, LLC ( a " consumer reporting agency '' ) of a violation of my rights as defined by U.S.C. Title 15, Chapter 41, Subchapter III 1681b with written instruction to delete specific inaccurate and unlawful data furnished to my consumer report. The notice letter was sent via certified mail with confirmed receipt and courtesy copies provided via email to Equifax 's executive staff members with facts and law. As of today, XX/XX/2021, I have confirmed Equifax has not adhered to my written instruction and continues to furnish the data specified as impermissible to my consumer report. The Office of the Law Revision Counsel of the U.S. House of Representatives publishes and prepares the United States Code pursuant to Title 2, Section 285 and publicly furnishes U.S.C. TITLE 15, CHAPTER 41, SUBCHAPTER III, 1681b of Permissible purposes of consumer reports at us.house.gov where it clearly states ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is unfair and unacceptable. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature and authorizing an inquiry.
Consumer complaint received 2017-09-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (OH)

XXXX XXXX my mother quick claim her home to me. I began making payment. which was with a another mortgage co. in XXXX XXXX the home caught fire the insurance co as well mortgage co was notified in XXXX of XXXX the mortgage was sold to another mortgage co which I to prove the deed was signed over to me at that time I could only talk with the department that deal with insurance claims in which I got the run around with the contractor papers. I at that point ask for the home to be paid off in which I submitted a letter at that point they stop talking with me. in XXXX of XXXX I received a call from them asking me if I still wanted the home paid off I ask about the letter I submitted and was told to submit another that one was no longer any good at that point I ask a friend who is a lawyer to contact them in which he did in XXXX of XXXX I found out they indeed paid the home off but never notified me or lawyer I had to XXXX in back taxes in which said mortgage co stated they had been paying the taxes and would take out of money owned to me call friend ask if he would contact mortgage co ask were was the balance owned to me.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2017-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Was contacted by synchrony credit in XXXX of XXXX claiming I owed a debt on a hearing appliance. I purchased the XXXX  XXXX and made payments for about 1.2 years ... during this time the XXXX XXXX failed repeatedly and was forced to return them for repair. On the last repair made the company failed to return them to me, I do n't have the appliance and have not received any credits for the failed devices, this debt is not owed as the contract is void for lack of merchandise and canceled..All was automated payments through the bank debit card and not through received statements. 
I never had a contract with Synchrony Bank and when i wrote to them asking for copy of the contract and proof i had received the XXXX XXXX. The XXXX XXXX had to be re molded three times and each time they did not fit, therefore i stopped, and never received the hearing aides. In the meantime this contract was sold to Synchrony Bank and they were not aware of the issue that hearing aides never correctly made and the contract canceled. Synchrony bank had written asking for copy of my bank information so as to charge me for XXXX XXXX i never received, and i refused to send to them because i had no contract with them, never purchased any hearing appliance with them. Then i found out i had bad rating and collection account when applying for loan. I sent them mails with return receipt, they did not respond the credit reporting agencies did not respond. Finally after several years, today i am told after filing another complaint on line with credit reporting agencies that they will not follow through because Synchrony Bank information is correct. I have never had information from Synchrony Bank, they have never answered my request for copy of contract or proof anything was ever sent to me, either through the credit reporting agencies or directly with Synchrony bank. Please advise if i need an attorney or you can help resolve this fairly
Consumer complaint received 2021-08-18
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. (CA)

I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Nelnet, Inc. (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-09-08
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. (NY)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2022-04-08
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. (RI)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-10-13
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: CITIBANK, N.A. (DC)

On XX/XX/2021, I accepted a promotional offer from Citibank, N.A., for a " Flex Loan '' for the terms of 24 months at 8.99 % in the amount of {$2400.00}, with fixed monthly payments of {$110.00}. 

On XX/XX/XXXX, Citibank moved my account balance in total ( {$2400.00} Flex Loan + {$2300.00} revolving balance ) from a promotional APR ( previously unknown to me as my account balance is paid in full monthly and no interest is ever charged ) to the standard purchase APR of 19.99 %. 

On XX/XX/XXXX, a payment in the amount of {$3600.00} was made to account by due date. The amount was intended to cover the previous statement balance of {$3400.00} + {$210.00} toward the {$2400.00} Flex Loan balance, with 8.99 % APR for 24 months. 

On the statement dated XX/XX/XXXX, I have been charged interest in the amount of {$59.00}, despite revolving balance being paid in full each month and agreed to Citi Flex Loan terms of {$110.00} ( I have been paying more than this amount ). 

Citi is charging interest at 19.99 %, not the agreed to promotional terms of 8.99 %. 

This case of deceptive advertising and lending practices is unacceptable.
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (FL)

On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me.