davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
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. (FL)

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

15 U.S.C 1681 Section 602 A. States I have rights 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 2022-04-16
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: Experian Information Solutions Inc. (FL)

on XX/XX/XXXX Experian received certified letter stating inaccuracies in my report. 

Experian did not answer withing the 30 days they they have to respond by law. 

XX/XX/XXXX Experian Received followed up letter to delete inaccuracies that they did not respond to as of XX/XX/XXXX as of today Experian has not responded and they keep reporting the inaccuracies they they did not respond to as of XX/XX/XXXX.
Consumer complaint received 2022-04-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account ( s ) XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/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 2022-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have called Kohls numerous times in XXXX XXXX XXXX XXXX XXXX and XXXX and now its XXXX I sent them a certified receipt requested return receipt requested with my complaint one dollar delinquency reported to all three of the following Credit Bural reporting agencies also I have collateral damages from this lowered my XXXX XXXX  my credit score of my XXXX score XXXX points however I went to apply for a loan this week for a new car much higher rate of interest because theyre showing the account is delinquent one dollar which was paid in resolved calls agreed to delete it still remains on the Credit Bural report and no response from them for six months even given them a certified receipt
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC (IL)

I became delinquent on a private student loan through College Ave Student Loans in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a College Ave representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our XXXX and XXXX accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, College Avenue stated the information they were reporting was correct and even changed the XXXX  report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to College Ave Student Loans on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or College Ave.
Consumer complaint received 2022-04-17
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. (NY)

I wrote to ll three credit reporting agencies for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows 4 credit inquiries that I did not authorize and/or an unauthorized duplicate inquiry. Below are the disputed the inquiries and I ask for their removal from my credit report. 
Creditor Date Comment XXXX XXXX  XX/XX/XXXX did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX duplicate inquiry ( unauthorized ) XXXX XXXX  XX/XX/XXXX did not authorize XXXX XX/XX/XXXX did not authorize My letter was sent over a month ago yet these items still apprear on my report. I need your assistance to get these items removed.
Consumer complaint received 2022-04-16
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. (NC)

Experian keeps allowing XXXX XXXX to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score immediately
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Pennymac is my mortgage service provider who continues to mis-allocate my payments. 
Every month I make extra payment over required amount and I have asked Pennymac to apply the extra payment for " Principal Reduction '' Yet Pennymac continues to apply it to next payment and then put remaining into " Interest Free '' Reserve ( similar to escrow called suspense acct ).

I have called Pennymac every month for last three month asking to ensure that my extra payments are allocated to princpal reduction but company continues to ignore my requests and continues to put extra payments into pseudo escrow account and continues to charge me excess interest on my outstanding principal. This is clearly meant for them to collect more interest income while stopping consumer from pre-paying their mortgage.

What is astonishing is that Pennymac 's partial payment policy states that excess payment will be allocated as per consumer request. This policy is printed at the bottom of second page of the attached statement. Yet they aren't following it despite repeated requests
Consumer complaint received 2022-04-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (ME)

Equifax Dispute requested on XXXX/XXXX/2021. Dispute was not completed until XXXX/XXXX/2021, past the 45 day limit according to Consumer Credit guidelines.
Consumer complaint received 2022-04-17
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. (OH)

In accordance with the Fair Act Reporting Agency Act inquiries under the name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C. 1681 Section 602.a States that I have rights to privacy 15 U.S.C. 1681 Section 604.a Section 2 : Also states a consumer reporting agency can not furnish an account or inquiry without my written permission.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/XXXX, XXXX XXXX XXXX XXXX TransUnion has not responded/ replied/ answered to my dispute. 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. 
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 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-16
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)

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 a account without my instructions
Consumer complaint received 2022-04-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I disputed XXXX XXXX XXXX Washington Docket # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX, WA XXXX, ( XXXX ) XXXX ) .I disputed this account on XX/XX/2021 on XX/XX/2021 Transunion came back and said this account was verified as accurate? I called the court recently to ask if they have procedures in place to report to the credit reporting agency in regards to consumer accounts? I am a consumer this account was never verified by Transunion because they never spoke with with court so how did they verify this account? 

15 USC 1681 A-4 I have a right to privacy as a consumer In the event Transunion gave my my information to a third party and the third party furnished a consumer report on my behalf without permissible purpose that is a violation. I never gave Transunion written permission Under USC 1681 B-2 I am request that trunnion delete this public record on my file because it was never verified. I ask Transunion provide the contact number and they company they verified this account with. Please delete this account from my credit file.
Consumer complaint received 2022-04-16
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. (WA)

In Accordance with the Fair Credit Reporting Act. The following accounts has violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX never gave ( XXXX XXXX Experian, or XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.

They also do not have any permissible purpose to furnish my personal information to any third party.

Permissible Purpose : 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 rela
tes.

As a consumer, I am demanding deletion of the following accounts
Consumer complaint received 2022-08-22
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. (CA)

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Consumer complaint received 2022-08-16
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. (NY)

In accordance with the Fair Credit Reporting Act Conversion  for Accounts my rights have been violated for accounts ; # XXXX - XXXX XXXX # XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX 15 USC 1681 section 602 A. 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 an account without my written authorization instructions
Consumer complaint received 2022-04-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (MI)

The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. XXXX  has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from XXXX in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.
Consumer complaint received 2022-08-22
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. (MO)

This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/2022 with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/2022 with the same attachments. But despite all the attachments, letters, and CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 a. 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 1666 b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose View full complaint
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

Dear CFPB Team, In XXXX of XXXX, I noticed that XXXX XXXX XXXX XXXX reported a debt of {$4500.00} on my credit report. Based on details gathered through XXXX, XXXX XXXX, and XXXX, this debt collection agency indeed begin to report this debt in late XXXX yet claims the account is open with their office since XXXX. 

I called XXXX numerous times and when I financial received a call back from one of their agents there was no cooperation to help me understand where this debt was coming from and why I did not hear from them before. Weeks after my first and only interaction with this company, I received an " Account Validation '' letter dated XX/XX/XXXX. 

I have since made several attempts to communicate with this agency and resolve this matter, the latest attempt on XX/XX/XXXX. This agency has gone silent. Their customer service number : XXXX leads directly to a voicemail. There is no email or other method of communication available. 

I find it extremely unfair for a collection agency to suddenly report a debt to the credit bureaus without properly notifying the consumer. Moreover, to report in XXXX a debt claimed to be held since XXXX without calling, sending a letter, or other notification in a good faith effort to settle the matter before impacting the consumer 's credit history. 

I have patiently waited and I have managed this situation as best as I could. From the beginning, I aimed to understand whether I owe this debt, and how this account could have possibly fallen through the cracks. 

However, XXXX denied me of my consumer rights of being timely notified of any debt and of the opportunity to settle any verified debt prior to affecting my credit report. This issue has gone over 5 months unresolved, due to XXXX 's negligence as a collection company. Similarly, this matter caused financial injury and defamation of character.
Consumer complaint received 2022-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

I was placed on a forbearance relief program as a direct result of COVID-19 by Select Portfolio Servicing ( " SPS '' ) on XX/XX/XXXX. SPS is the mortgage servicer for the lender XXXX XXXX TRUST, MORTGAGE-BACKED NOTES. Upon exiting this forbearance agreement, I was placed into foreclosure on XX/XX/XXXX. SPS delayed my modification application by 5 months routinely rejecting the paperwork I initially submitted on XX/XX/XXXX, and not acknowledging receipt of all required forms received. My appeal for a modification has also been denied for the reason that the servicing agreement between the lender and SPS does not permit home retention options to be provided for my non-federal loan even though they promote home retention options on their website for those affected by COVID. The portion of that servicing agreement is not being disclosed citing it is a proprietary legal agreement. I have been impacted by XXXX where I experienced one of the early cases of the XXXX resulting in being hospitalized and absent from work for a total of 10 months between XXXX affecting my income which caused me to become delinquent. Even though I have been impacted by XXXX, my lender is unwilling to work out a repayment plan through the Connecticut XXXX XXXX so a law date could be set for the transfer of property shortly. SPS is aware I can afford to pay the monthly mortgage payment now that my health has improved and is still uncooperative with offering any home retention solutions.