davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (MO)

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (NY)

I've been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, since my identity was stolen then stolen again due to Experian/ 2020 data breach ( most recent ). I have had numerous credit cards loans and bank accounts because of this. When trying to reach Experian to resolve this Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues and the online portal don't work ( please see arttached screenshot ). I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, over 7 years, monies etc. on this. Please help me.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Caribou Financial, Inc. (VT)

I contacted Caribou Refinancing to refinance my vehicle. Upon pre-qualify I was presented 2 options for refinance. I made my choice to waive all add on extras I also chose a 72 mo term at interest rate. I was then told to supply payoff quote, original contract, id 's, registration, pay stubs, etc... Upon doing so I received a call from my loan XXXX XXXX. During this recorded conversation numbers seemed fine but XXXX was insistent on trying to sell me product. I informed him NO numerous times. I also informed him my vehicle has a warranty on it until XX/XX/2023 thru XXXX. I also informed him it's both transferable and renewable. He continued the sales pitch so I hung up. The site then asked me to finalize loan by reviewing and signing. The numbers were way off. I emailed XXXX to ask why and he did not mention anything about adding a powertrain warranty to the refi. This powertrain warranty added against my wishes and without my knowledge or even mentioned drove the financed amount up {$1300.00}. How many others are they doing this to? 
Truth and transparency in lending, I think not. I have not signed the documents. I should also mention this was also done after they performed a hard pull on our credit. The XXXX attachments show a few things. 1. It shows no extra added coverage on there loan offer ( screenshot ). 2. Shows over a {$2000.00} discrepancy in payoff amount and new financed amount. {$1300.00} is the undisclosed powertrain warranty.
Consumer complaint received 2022-12-29
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. (NY)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

The mortgage was transferred from XXXX XXXX  to Roundpoint Mortgage effective XX/XX/2022. They provided several notices of the transfers and confirmed that ACH would auto-transfer to a new company and no action was needed. When the payment never was taken from the account I set up autopayment via Roundpoints website and received a confirmation that this was set up successfully. On XXXX they mailed a notice saying no payment was received. I contacted them today as I logged into the site header still says my loan transferred auto debt on the header. Yet I called today XXXX due to payment not coming out of the bank account again and advised that because I set up autopay that it canceled all payments. No notice of this was ever sent to me and if I wouldn't contact them per the statement received would have charged me additional fees if not paid by XXXX. 

High-level issues : - Providing false information to consumers - Notice that auto payment would be transferred - Late payments when transferred within 60 Days.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OH)

I have a collections account on my file that I have never done business with from SUNRISECREDIT SERVICE # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent. I have never had cable service from the listed company nor have I stayed at the address on that account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-XXXX Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Citibank XXXX brooks brothers XXXX XXXX XXXX reduced my credit limit without any warning and without any notice at all prior to doing so, so that my account went all the way to 99 % utilization rate, on XX/XX/2022, when the most recent payment was due, and the date that I made a payment. I have never missed a single payment on any credit card or loan account and have never had an issue making more than minimum payments. I never received any mailing or notice about a decrease or any warning about it. the company did not even tell me, another identity theft protection plan I use told me about the credit decrease and the resulting increase in utilization rate. This is a violation of the fair credit reporting act because she stated that the reason they did so was because of payment delinquency ( not true ) which would required the notice. She said that the notice would be received in 7-10 days from TODAY, XX/XX/2022, which is days after this all apparently happened. 

I reached out to customer service and the lady was rude and said it was the credit agency 's fault and that she could not do anything. When I brought up that I was charged a late fee on XX/XX/XXXX, and then refunded that same late fee on the same date she got agitated. Then when i asked why I never received any notice or warning about it and she said that Citibank doesn't do that and wouldn't do it without telling people. I let her know that I never received any warning or notice and that literally another company which I pay to protect my identity were the only reason I found out. She said XXXX did the report but that doesn't mean that I shouldn't have been told about it. Then she hung up me when I asked about why i never received any letter or notice or anything about it. 

I don't care ultimately about the credit line or these nefarious people with suspect practices but I never was even told about it. no notice at all. it is not right. 

Then she hung up me when I asked about why i never received any letter or notice or anything about it. 

Also the document and the website says i requested a cash advance which never happened.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AL)

XX/XX/2022 I Applied For Forbearance On Home Mortage As They Were Showing On Ther Web Site With Community Loan ( Formally Bay View Loan SVS. ) & They Said They Could Help With That Up To 6 Months Or Up To A Year I Sent Application In & They Responded With Ok & That They Were Going To Re Look At It 90 Days Out So They Did They Asked Me If I Was Still Strugling & I Responded Yes/ That Was XX/XX/2022 & At End Of XXXX I Got A Letter From Another Company ( XXXX XXXX XXXX ) That Was A Dept Collector On Loan I Then Tried To Go On Line Where My Account Was ( Community Loan ) To See What Was Going On & Site Was No Longer Avaliable To Me & I Have Been Talking With XXXX XXXX XXXX. Since Then & Trying To Get Some Help With Lower Payment Or Loan Modification. I Then Found Out That Former Lender ( Community : Loan Did Not Put It In Forberance But They Differed Payments Instead. I Went To XXXX On Line For Help & They Are No Longer Accepting Applications At This Time. My Next Steep Is Looking Localy To See If I Can Get A New Loan With New Lender
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. (SC)

To Whom It May Concern : I recently received a copy of my XXXX XXXX or Trans Union credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,
Consumer complaint received 2022-06-05
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. (NV)

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 XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX XXXX PARTIAL ACCT # XXXX XXXX  XXXX XXXX PARTIAL ACCT # XXXX DEPT OF EDUCATION/XXXX PARTIAL ACCT # XXXX XXXX XXXXXXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT # XXXX XXXX PARTIAL ACCT # XXXX XXXX XXXX PARTIAL ACCT # XXXX
Consumer complaint received 2022-07-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GARDEN STATE HOME LOANS INCORPORATED (MI)

Garden State Home Loans are committing fraud under the XXXX XXXX XXXX, by going forward with loans that you never signed for. I have a document from XXXX XXXX where he admits I never signed my final CD and he's trying to hold me beholden to it under a small TRID guideline, even though I did not want to move forward with the loan. Garden State is predatory and they refused to let the work they did on my loan go to waste, so they punished me. These type of actions are scary and companies that move with impunity like this are hurtful and harmful. Garden State knows I did not sign the CD to go to closing but are hiding that in a small paragraph at the end. They're a predatory company. 

What the company failed to mention is that the rate offered only came because I was having to buy points, or put down more money ( see XXXX  ), and those weren't terms I was willing to agree with or I would have signed a contract.

Their closing disclosure was also including debt that I already paid and had sent off to Garden State, they were luckily enough to include their email chains for me. 

The new CD included an additional {$300.00} to pay down the interest rate, these completely changed any and all terms of any agreement. I never signed another agreement after that, and in the mortgage world calling people guardian angels could mean you saw them shine their shoes with XXXX. There's a reason we require contracts, and the CFPB should hold you to that. He admits that I mentioned fear over the closing cost, and then DID not sign the closing disclosure. Yet he still went forward with it, this is a violation. 

As you can see they have my XXXX wrong, they were including debts already paid, and all together it wasn't a true document. 

And as XXXX XXXX said to me " Moving on '' when I brought up issues.
Consumer complaint received 2024-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (MO)

Moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Called XXXX  in XXXX to set up cancel date and ordered service for my new home. Needed internet service at the old house ( XXXX XXXX XXXX ) to overlap with service at the new house for about a week. Completely emptied the house first week in XXXX and there was one week before buyer was closing on the house ( I believe the date was XX/XX/XXXX ) Got a call from XXXX  on XX/XX/XXXX stating someone was trying to order new service for XXXX XXXX XXXX to start the next day. I approved and stated service should have been turned off a week prior. Because the date they shut off service was one day into a new billing cycle they have charged me for another month. Spoke with 3 different people at XXXX and everyone of them will acknowledge seeing the notes on when I called in to cancel service prior. 3rd person was a manager and mentioned I got a discount on my new service because it wasn't set up has a transfer. I agreed to pay back the difference on the discount for new service ( around {$80.00} ) if they removed the bill for $ XXXX. Called manager back the next day and she stated she could not get that approved. I feel I did everything I should to notify them of cancellation ( and they acknowledge that ) and I should not be responsible for their error.
Consumer complaint received 2022-08-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

to whom it may concern, i tried numerous times to solve this matter with them and have not been successful i was given a trial that started XX/XX/2022 i completed all the payments even did 5 payments total i never received my final docs i brought it up to them they told me to re apply i did not they are saying i do not qualify that my income then it was something else i just want to keep my house they keep playing with me ive done everything that they've asked me for. i did not ever get courtesy call they are in violation of my rights as home owner. They never called to make sure i received my final docs or anything. which i never did thats why i kept making my trial payments. all i want is to keep my house and make payments. Please help me i am at the verge of a XXXX XXXX
Consumer complaint received 2023-05-12
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-21
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. (IN)

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  Account # 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 2022-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: TRUIST FINANCIAL CORPORATION (TX)

In XX/XX/2022, I opened a Secured Card Savings Account with Truist Bank in XXXX XXXX, TX. Account # XXXX. I deposited {$400.00} to the card. Subsequently, I decided to close the account and in XXXX went in person to the local bank to do so. The teller advised there was no balance found and closed my account. 
On XX/XX/XXXX, I received a statement that there was still a {$400.00} balance on the card. I went back to the bank. The teller advised that there was now a balance, but because she had previously closed the account, it now needed approval to cash out the funds. 
I have visited the bank twice since then, called many times, and can not find anyone who will let me have my {$400.00}. The last time I went to the bank office, the teller would not speak with me until I paid an account fee of {$20.00}. Today I spoke with XXXX different bank employees, and just kept being transferred. 
I received a statement on XX/XX/XXXX still showing the {$400.00} balance, and a new statement dated XX/XX/XXXX showing XXXX balance. 
I am afraid that the bank is planning on keeping my money.
Consumer complaint received 2022-07-18
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. (CA)

XXXX XXXX XXXX  has Reported late Payments to my consumer report which was done against my consent and Not accurate information Which are Both required by Federal Laws. The Negative late Payments has caused an adverse action on my consumer report resulting in a XXXX point decrease in credit score as well as being denied recently for an auto loan. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the late payments removed and updated to my report as Paid as agreed. 


XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my Consumer rights.

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

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )