davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
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 have found inaccuracies in my personal information on my credit report. I have already reached out to the credit bureaus to remove the inaccurate information and they have not replied with status of the investigation or any other update. Per, 15 USC Subchapter III 1681 ( i ), the credit bureaus are to let me know within 5 business days that they are investigating the inaccuracies. Below are the inaccuracies that are to be removed : Names XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  Date of birth : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Employers : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX
Consumer complaint received 2022-09-22
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. 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. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Freedom Mortgage XXXX # XXXX took over loans from XXXX starting in XX/XX/XXXX. During the process Freedom Mortgage failed to properly notify customers of the change. They did not comply with contact preferences that were previously established with the last vendor despite Freedom Mortgage claiming they would on their website. When they did contact me I was called by phone and addressed by a different name ( XXXX XXXX and told to pay. I then received an email with a second, different name ( XXXX XXXX and loan number on XX/XX/XXXX. I received the correction email on XX/XX/XXXX. A letter was mailed to me with a date of XX/XX/XXXX saying I have failed to pay but not addressing the loan discrepancy issue. I have zero faith my PII has not been compromised by this failure to properly communicate sensitive financial data. I believe customers deserve reassurances or explanations before we provide additional financial information to Freedom Mortgage.
Consumer complaint received 2022-11-30
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: Professional Finance Company, Inc. (KY)

Its worth XXXX XXXX XXXX I called them they said they dont have an account with my name I keep disputing it but you guys keep leaving it on there its called XXXX XXXX XXXX my name is XXXX XXXX XXXX second please take it off
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Torrid account 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 instructions.
Consumer complaint received 2022-11-30
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. (NC)

I received a copy of my credit report and found the following item ( s ) to be in error. You also do not have any permissible pupose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( 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. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-02
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. (NV)

I asked Transunion for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on Transunion says XX/XX/2020 and XXXX says XX/XX/2020. 

In accordance with the fair credit reporting act, 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 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NV)

Caliber home loans ( XXXX ) &. XXXX XXXX ( Trustee ) they have Overcharged in the Foreclosure sale. 

my loan number is : XXXX As to the last Statement shows total amount due and owed was : {>= $1,000,000} BUT, the house was foreclosed at : {>= $1,000,000} Caliber home loans OVERCHARGED me for : {>= $1,000,000} By law they couldn't charge late fee over {$1500.00} and NO Attorney fees I should receive back the OVERCHARGED AMOUNT. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (MO)

On XX/XX/XXXX at XXXX, Discover Bank froze my checking and saving account that houses all my finances that includes my work checks that get automatically deposited as well as my savings. I have tried since the XXXX to contact 3 numbers that they have given to me to get it unfrozen but have sat on hold for 3 to 6 hours with no contact. Now I am becoming aware that there are other bank holders that have had no access to their accounts going on three weeks. I have a XXXX and need access to my funds for my medication and there is no way to get it. In addition, of course maintaining lively hood so I am not homeless. 

Discover has not made a statement or reached out and I am at a loss of what to do because talking to someone from discover is the only way to get my account unlocked and like many we can't get anyone.
Consumer complaint received 2022-11-30
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. (CA)

i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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: SYNCHRONY FINANCIAL (NY)

In cordance 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  Account #. Has violated my rights 15 USC 1681 section 602 A. Status I have the right to privacy 15 USC 1681 section 604a section 2 : it also States a consumer reporting agent can not furnish a account without my written instructions 15 USC 1681 c. ( A ) ( 5 ) section status : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 USC 168 1 s- ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has responsibility to believe that the information is inaccurate
Consumer complaint received 2022-07-01
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXXXXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # 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 2022-11-20
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. (PA)

Company responded back on XX/XX/2022 that the item wasnt reporting on credit report but still shows and is still violating my consumer rights according to 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received a text message from XXXX XXXX about a withdrawal from my acct that was not me for XXXX dollars at a XXXX in some town in California that Ive never even heard of. I clicked the link and put in my information because I was panicking but then once they asked for my social security number I immediately knew it was fraud and called XXXX XXXX to change all my information.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

So, I had fallen behind on my mortgage payments a total of XXXX months My monthly amount is approximately {$860.00} per month I called on the XXXX of XXXX to make a payment. 
They refused to accept the payment and demanded that I make a minimum of XXXX monthly payments. 
So I reluctantly said that I would try to get another payment together by the end of the month. 

Here it is the last day of the month, I am a few XXXX short on the XXXX payments that I am " required '' to pay. 

I call Lakeview Loan servicing to discuss this things.. 
I am told that the minimum payment I can make at this time is {$1700.00} XXXX ask what the additional amount is for they say its because of fees. 

I tell them I cant make that and that I'm a few XXXX short. 

representative says " Thats good news because we can do a re-payment plan where we take half today, and spread the remainder out over XXXX months. 

Sound good, right? so she said to make the payment today in the amount of {$1300.00} and then I would need to make a payment of {$1500.00} per month for the next XXXX months I said that the math doesn't add up, and ask that she explain. She puts me on hold and says " there are corporate fees involved '' and I asked to elaborate and give me the amount of these fees with what they pertain to and she could not do it. refused to do it. 

by my calculation and every late fee I've been hit with from the time the loan originated rounding all numbers up at most should be a monthly payment of {$1300.00}. 

They refuse to explain the extra {$500.00} per month and hung up the phone on me. 

Now I'll be facing foreclosure or agreeing to be extorted for a {$500.00} per month fee from this company. No option other than one or the other and this shouldn't be legal. 

look em up on XXXX, I'm not the only one who has issues. They have the lowest rating they can possibly have.
Consumer complaint received 2022-06-07
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. (MI)

In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, two accounts DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, two accounts XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX two accounts XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, and US BK CT-XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-30
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. (AL)

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  I called and addressed the inquiries to the companies. The inquiries were not authorized by me.
Consumer complaint received 2022-11-21
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report last XXXX XXXX XXXX  Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Original creditor : THE XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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: Premium Credit Bureau (PA)

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights.

XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2022-06-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX XXXX XXXX XXXX XX/XX/XXXX {$950.00} PORTFOLIO RECOV ASSOC ACCOUNT : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XX/XX/XXXX {$800.00} 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PR)

On XX/XX/XXXX, I received a threatening letter from Midland Credit Management ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) concerning an old fraudulent situation that was already addressed and resolved in XXXX of XXXX by the Account Protection Team of Comenity Bank after a complaint presented by me years earlier in regards on an inactive account that presented fraudulent activity ( letter with the resolution and apologies provided with this claim ). 
For security reasons, I come directly to you at the Consumer Financial Protection Bureau instead of engaging in any type of communication with the senders.
Consumer complaint received 2022-06-07
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: DISCOVER BANK (MS)

In accordance with the fair credit reporting act XXXX Account ending in XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-01
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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