davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NC)

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.

Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 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 2022-07-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-23
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. (MO)

All three credit bureaus the XXXX XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.
Consumer complaint received 2022-07-14
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  the following accounts, Account name : XXXX XXXX XXXX  XXXX Account # XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX  XXXX  XXXX Account number : 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 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

My mortgage was part of the XXXX mortgage meltdown and the " Investor '' was XXXX Bank. The servicer was Ocwen which has now become PHH. In XXXX, my mortgage was converted to a Shared Appreciation Modification. In XX/XX/XXXX I made a payment to Ocwen by XXXX XXXX on the last day of the month ( in compliance with the terms of the SAM ) and they returned my payment and cancelled my modification. I filed a complaint with CFPB and when Ocwen responded, I assumed that I could not respond and get further help from CFPB. Since then I have had considerable correspondence with Ocwen and I filed a Notice of Error with them. Their responses over the following year confirms my claim and they admit that they had a computer glitch at that time. CFPB and numerous Attorney Generals including Florida sued Ocwen in part for the type of error I experienced. Those suits have been settled but Ocwen has not offered me compensation and / or a principal reduction. The modifications following the loss of the SAM in this incident has raised my principal by over {$100000.00}. 

I realize this is a second submission of the same claim but the new facts prove that Ocwen 's original response was not accurate at best and possibly a fabrication.
Consumer complaint received 2022-09-16
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: Winklevoss Exchange LLC (TX)

I was made aware of fraudulent purchases made on my Gemini credit card account that occurred on approximately XX/XX/2022 totaling approximately {$850.00} by receiving emails reporting suspicious card activity. The following transactions are listed : -XXXX, {$110.00}, XX/XX/2022 -XXXX, {$39.00}, XX/XX/2022 -XXXX, {$39.00}, XX/XX/2022 XXXX XXXX XXXX, {$49.00}, XX/XX/2022 XXXX XXXX XXXX, {$110.00}, XX/XX/2022 -XXXX, {$7.00}, XX/XX/2022 -XXXX, {$110.00}, XX/XX/2022 XXXX XXXX XXXX, {$190.00}, XX/XX/2022 I immediately on XX/XX/XXXX sent a support ticket that I did not in fact make these purchases. I was told that I would have to wait about a week for the purchases to be posted on my account. Approximately a week later, I sent another request detailing all of these fradulent purchases. They opened a dispute case. 

About XXXX and a half months later, I was informed today, XX/XX/2022, that my fraudulent activity claim was denied. I informed Gemini via support email ( as Gemini does not have a phone line support I can contact ) that I will not be paying for any fradulent purchases I did not make, and will file a police report if necessary. I have taken steps to file this CFPB complaint to ensure Gemini does not intend to expect payment from consumers like myself that are victims of credit card fraud or identity theft.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

I pulled my credit report and saw this derogatory account reporting on my file. I have never done business with this company and need them off my credit report. I want to rent an apartment but I know the potential landlord will not rent to me with this account on my credit report. I wrote and email them a letter and have not receive a response as yet.
Consumer complaint received 2021-10-15
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. (NC)

XXXX XXXX XXXX Today I write to you about the abusive powers of customer service agent, What I speak of is not a horror story but yet a real life occurrence for procedural neglect. 

I purchased a new phone when my credit score was XXXX. 
A {$640.00} phone with a {$85.00} a month contractual agreement based n the fact that per the news channel my current Phone provider was experiencing satellite problems and 90 percent of my business is phone and internet based. 
A clever trap or castrated by time and monetary discrepancies. 

So in XXXX I plunged into a new contract with all the intentions of creating a better credit score upon completion. 
I was told by the agent on hand that the equipment could be returned in 14days if I was unsatisfied. 

Believe it or not, once activated the XXXX XXXX phone actually locked itselfA security feature that left me locked out. 
No incoming or outgoing calls so very strange. 

First Incursion When I took it back to the dealer, I was told that the unlock code was something that only XXXX XXXX could help me with. That he could not help me even though I just purchased the XXXX XXXX days ago. 

Second Incursion By the second visit I was a little spooked..When I approached the customer service agent he stated that there was a {$55.00} restocking fee, I agreed but was then told to wait as he recanted the statement after he spoke to the other agent .I was then told that I could not return the {$640.00} phone even though it was within the fourteenth day time period, and that I could not get a new one even though the old one was defective. Wow, what a combative customer service environment. I asked to speak with the manager and he told me he was the manager A guy by the name of XXXX..at least that is what his name tag said. 

Third Incursion By this point it was all customer service on the phone..where they told me to take the phone back to the store. Upon diagnostic of the phone they still could not decipher the code. 

Being a business identity I have sent this information as a prelude to sue.. 

This phone is used for my business and was purchased an listed as a business entity. 

XXXX XXXX XXXX XXXX As a sole proprietorship ... my business is suffering based on recent credit denials. 

Please listen to the following recording.
Consumer complaint received 2020-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (MD)

I have called twice today XX/XX/XXXX, and called about 3 weeks ago requesting proof that my car has been paid off ( which it has for about 3 years ). The time i called three weeks ago i was told that Ford sent the lien release to the DMV of Maryland. I called the DMV of maryland who said they dont get sent that information. 

The two times i have called today i was hung up on when getting transferred to the ford motor credit company and the time i called them on my own, they didnt have my social on file so i couldnt get through to anyone. 

I then called again to speak to a manager which i have now been waiting for 2 hours to get a call back. 

I just need the lien release to my car, something the DMV doesnt have and dont know what else to do.
Consumer complaint received 2022-07-14
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. (GA)

You, the CFPB are not enforcing the law or facts. You know for a fact that the court systems do not report any of their records to the XXXX major credit bureaus, yet instead of reprimanding the credit bureaus and demanding they remove the public record for cause of not being able to validate the information, you are acting as a middleman just passing along complaints and doing nothing about the complaints to protect the consumer 's privacy. This is absurd... what is your purpose if not for the most egregious violation the bureaus can make as the court system is our only legal system and you are allowing the bureaus to run rampant and do what they will in obvious WILLFUL NON COMPLIANCE. 

I have spoken to the clerk of court and confirmed verbally on a recorded line that they never send any information to the bureaus and the bureaus never send information to them and the bureaus never contact the courts to verify personal information such as name, address, social security number and date of birth. 

I demand that the CFPB do its job and cause the public record on my credit report to be deleted. Furthermore in a letter I uploaded I listed the laws that are being violated and my privacy is being violated. 

Act now or I will also see how I can press charges against the CFPB for not doing its job!!!!!! 

My next actions I will have no choice but to file a XXXX and an involuntary bankruptcy against the CFPB and the credit Bureaus.
Consumer complaint received 2022-07-14
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)

IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM XXXX REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO XXXX ON MY BEHALF. STALLING AND GUILTY!
Consumer complaint received 2022-06-14
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. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX XXXX. XXXX XXXX XXXX  is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX  any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-09
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: BARCLAYS BANK DELAWARE (AL)

I made a purchase for XXXX in XX/XX/2022 they refunded me in XXXX due to a cancellation. The old navy card was taken over by Barclays and I called them in XXXX to be sure it wouldnt be a problem. They said it wouldnt but would take up XXXX weeks to resolve. They funded me the money back in XXXX but then took back out on XXXX. Ive called multiple times.and sent in paper work from the merchant saying it was refund in XXXX. Letters sent out XX/XX/XXXX. Still not resolved
Consumer complaint received 2023-01-09
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. (UT)

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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-20
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. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, Experian and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and XXXX. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (GA)

A XXXXXXXX account was issued in my name without my knowledge. The account was transferred to XXXX XXXX , XXXX, a collection agency in XXXX. I was only notified via a letter of the outstanding balance. I called XXXX and notified them it was a fraud account along with notifying XXXX-XXXX. XXXX I was notified by a separate debt collection, Diversified Consultants , Inc . I've notified them of the fraudulent account. This has now impacted my credit score via a XXXX   derogatory remark.
Consumer complaint received 2024-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Capital Management Services, LP (OH)

Dear XXXX Credit Bureau, I am writing to follow-up on correspondence report number XXXX regarding my consumer credit profile. As stated in my previous letter, there is incorrect information reporting on my credit profile due to identity theft. As requested, I have attached all necessary documents to prove that I was a victim of identity theft. I have also included a statement of fact with further information and documentation to support my claim. I received a response from your bureau stating that my documentation was not accepted for the dispute. However, I assure you that the attached documents are legitimate and clearly show that I am a victim of identity theft. I ask that you please remove the disputed account from my credit profile immediately. It is important that my credit profile accurately reflects my financial history and any fraudulent information should not be included. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the disputed account from my credit profile. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (HI)

The complaint is in regards to removing PMI from my home mortgage. I am currently just short of the 5year mark for having my home and have been trying to remove the PMI for almost 1 year. I have sent several  written letters via mail to Rushmore Loan Management Services with copies of county tax assessments as I was instructed to do so with no luck. Two weeks ago I called and spoke with a woman who was intentionally vague about giving me any information as to how much I needed to pay towards the principal in order to have the PMI removed and lower my monthly payments. She finally said {$37000.00} " should '' work. I paid {$38000.00} to be safe. I then read everything I could on the matter and decided to pay an additional {$5000.00} to be sure bring my loan to debt value to % 73. Today ( 10 days later ) I spent about 45 minutes on the phone and was placed on hold 3 times while trying to get the PMI removed. I was repeatedly told that I needed to yet again write a letter mail it in wait for a response then mail in an authorization form so Rushmore could have an appraisal done to my home at my expense and they may or may not remove the PMI after that. The way the law is written I understand it to state that since my loan to debt value is % 73 the PMI should be  removed with no appraisal necessary automatically.