davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or correct them from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update or correct them from my file : 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 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

ALL THREE CREDIT BUREAUS ARE STILL PUTTING FRAUD ALERTS ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

IT SEEMS XXXX  IS THE ONE INITIATING THIS AND THEN TELLING THE OTHER BUREAUS TO FOLLOW THEIR LEAD.

THIS IS ILLEGAL, I HAVE NOT REQUESTED THAT ANY FRAUD ALERT BE PUT ON MY CREDIT FILE.

I CHALLENGE THEM ON THE FCRA SECTION 609 TO REMOVE NEGATIVE REMARKS, STATEMENTS AND CREDIT INQUIRIES THAT WERE SUPPOSED TO BE SOFT PULLS AND NOT HARD PULLS AND THESE BUREAUS TRY TO SLIDE PAST THE LAW AND PUT THESE BOGUS FRAUD ALERTS ON MY FILES TO JUSTIFY THEIR ILLEGAL ACTIVITIES. 

NO NEGATIVE REMARKS SHOULD BE ON ANY OF MY OPEN OR CLOSED ACCOUNTS. NO REMARKS STATING THAT CONSUMER DISAGREES, REINVESTIGATION IN PROGRESS, NOTHING THAT SAYS CONSUMER DISPUTES AS I AM AT THIS TIME NOT DISPUTING ANYTHING AND THESE REMARKS AND THESE FRAUD ALERTS ARE BEING PLACED ON MY FILES WITHOUT MY PERMISSION AND ARE AGAINST THE LAW.
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (NJ)

XX/XX/XXXX {$1500.00} caprio partners collection from XXXX  hospital. I disputed via XXXX XXXX the account for about a year sin they opened the account on XX/XX/XXXX never been contacted by them. I called the hospital and they never submitted my account with an appeal letter they had my XXXX/ XXXX  insurance cards they failed to file within the year but 90 days passed and they send me to a collection agency and never billed or called me. Now I have this balance affecting my credit I also send an email to a supervisor there number is XXXX spoke to XXXX XXXX XX/XX/XXXX. They want me to pay for their mistake. I had insurance to cover my medical services. They failed to do their job and now they want to make me responsible. Please help thank you
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2021-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021, I contacted Transunion and XXXX to dispute inaccuracies that I noticed in my credit report. They Credit Bureaus are reporting inaccurate information on my credit profile. 

Today is XX/XX/2021 and I have yet to hear a decision from the credit bureaus. It has been well over 60 days now.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MS)

I have a late payment on my credit report with Synchrony bankXXXX from an account that was opened in XXXX. The account was closed in XXXX and I have contacted Snycb/XXXX  at least XXXX times asking for a letter stating that the account was paid off in XXXX. Each time I speak with them, they tell me it will arrive in the mail between XXXX and XXXX business days. I have been contacting them since XXXX of XXXX and I still do not have any mail from them. It is very frustrating, and I do not understand why I can not get this letter. They denied me an email or fax. 
Thank you for your help.
Consumer complaint received 2021-07-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

The loans are private loans and they have reached the statute of limitations but they a reporting on their web portal as though i still owe it but i don't. attached to this message you will see a document were the first default date is XX/XX/XXXX which means that the statute of limitations is XX/XX/XXXX. which means i don't owe this debt anymore.
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-05-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account 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 any written instructions.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (CA)

Last year in XXXX I was told that I had a second Social Security number pop up on my credit report, I am not sure as of why, but I was told that the hold would be put on it not they would ask me for more information if I were to inquire for any loans but instead, I have been rejected for everything and it is still on my report
Consumer complaint received 2023-04-04
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Consumer complaint received 2021-11-30
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. (FL)

Im shocked when I was checking my credit report. Why I see this negative information. Why you put it on my name. I never apply for it. I dont know how to live right no and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I believe someone used my personal information
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 an account without my written instructions
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc (LA)

dates : XX/XX/2015 amount : {$1000.00} violation : section 604g 15 U.S.C. 1681b ( g ) ; 12 C.F.R 1022 Subpart D
Consumer complaint received 2021-11-30
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. (GA)

XXXX XXXX Bank is reporting an open account on my experian profile that I never initiated. I spoke with the fraud department XXXX XXXX of this year and they assured me the inaccurate information would be removed by the close of the week and I would receive some type of verbal or email follow up. Neither has been done and I am ready to press charges. The person on this case stated on a recorded line he sees what happens and that I was opened up by a XXXX XXXX a member with their credit union. It needs to be removed
Consumer complaint received 2020-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (AL)

The first complaint is for American Financial Solutions, they have a collection on my credit report from some kind of medical facility in XXXX, Alabama, which is somewhere that I have never been in my life, I have NEVER been to XXXX, Alabama. From XX/XX/XXXX to XX/XX/XXXX, i was in West Virginia. Please have them remove this inaccurate information from my credit reports immediately. This is not my medical bill.
Consumer complaint received 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (MO)

I would like a file a formal complaint against our loan office XXXX XXXX from mutual of omaha Mortgage bank. The loan officer doesnt reply to our texts/emails on time and we had to delay our closing already by a week. We might loose our house if we dont close in next coming week. We have been very patient with him. But he is not supportive in any way. We will be loosing {$5000.00} deposit money+ XXXX $ delay fee and our truck rental for 15 days is extra too. He is probably the worst officers we or our friends have worked in the past. 

NMLS # XXXX
Consumer complaint received 2022-05-01
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. (VA)

The following company never proved their methods of verification through several stages of written credit disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX  BANK -Attorney General-Child support -Dept of Ed/XXXX  XXXX Options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of Missouri Ret The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received on XX/XX/XXXX XXXX letter XXXX XXXX no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.
Consumer complaint received 2022-05-01
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: EQUIFAX, INC. (DE)

XXXX XXXX  XXXX XXXX account # XXXX XXXX -retail account # XXXX XXXX XXXX  XXXX I have no idea who these people are or who this company is I have done no business with them nor do they have a signature of my please remove these negative accounts off of my credit report immediately thank you
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (OH)

On XX/XX/XXXX I purchased a letter writing service from XXXX. I received little communication from the company. On XX/XX/XXXX I requested a refund. On XX/XX/XXXX I received a response from XXXX the owner stating " sure, no problem ''. I have consistently tried to contact the company who has now taken down their main website stating that they are no longer receiving new customers. Over the months until XX/XX/XXXX I have requested my funds be returned to my credit card. At which point I finally told the company that I was going to contact my credit card company and dispute the charges. Now my credit card company is penalizing me for trying to work this out with the company by saying that the purchase was too long ago and I can not dispute it. This charge is for {$490.00}. I do not have that kind of money to just throw around! The company still hasn't responded and there is no one looking out for me here. I have saved most of the email correspondence between myself and the company which my credit card company never even asked to see.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We applied for a mortgage through Wells Fargo. We were locked into a rate of 3.25 % for the property. Our offer was not accepted initially. A week later, we resubmitted the offer and when we went back to submit our loan application paper work, we were told the rate on the same property was now 3.5 % because rates had gone up. Had this policy been consistent with a previous loan application, it would not have caused us to submit this complaint, however previously we were told rates were locked to a property for 60 days. On a mortgage application with Wells about 3 months prior, we have documentation where a Wells employee told us that if we apply for a loan for the same property within 60 days, Wells has to lock you into the original rate. In this case, the IR had gone down between our initial application and when the loan documents were being submitted.
It can not be fair and honest that Wells Fargo refuses to lower mortgage rates when the IR falls, but insists on raising mortgage rate for an existing application when the IR increases.

As the mortgage business is already under scrutiny for the fees charged to lock rates, I wanted to check if this was a systemic issue and if Wells can be forced to honor their initial bait and switch 3.25 % I have all the documentation, including conflicting rules sent to me by 2 different members of the mortgage and customer service reps.
Consumer complaint received 2022-05-01
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)

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

XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account XXXX XXXX has violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax Account # XXXX has violated my rights XXXX ) XXXX Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights Equifax Account XXXX XXXXhas violated my rights XXXX ) XXXX  Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights Equifax Account # 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. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-01
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. (NC)

In accordance with the Fair Credit Reporting Act Convergent, the below accounts has violated my rights : XXXX - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Partial Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  - XXXX Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-01
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. (NC)

In accordance with the Fair Credit Reporting Act Convergent, the below accounts has violated my rights : XXXX - Acct # XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - XXXX Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct # N/A XXXX XXXX  - XXXX Acct # XXXX XXXX XXXX XXXX  - XXXX Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions