davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Someone named XXXX XXXX XXXX took over my Experian account and used my social security number. They were able to access all my information and use my account in their name. I was unable to access my account since the middle of XX/XX/2022. When I tried to obtain my credit report, I could not create an account online. The service representative said that someone else with a different name now had my social security account. I had to send in my information in XX/XX/2022 through mail but did not hear a response for several months. I was able to finally talk to a live person at Experian on XXXX. They resolved the issue, but I was made aware that the Experian website allows anyone to reset the Experian account to an infiltrator 's email address if they know any personal information. Please see this website for a complete description as it has been happening to other people : XXXX XXXX XXXXXXXX  The identity thief has accessed all my personal information and will be able to hack into my account again very easily because the Experian account reset process is very insecure. They do not require 2-factor authentication and do not have any proper security controls in place to ensure that the correct person is accessing the account. The only way to avoid an identity thief from accessing your account is paying the Experian membership fee of {$25.00} per month, which I do not have. The identity thief can easily switch the account back to himself and then unfreeze my credit account. This is unfair to consumers because they are being forced to pay a monthly fee just to avoid getting their Experian accounts stolen so easily. Experian should resolve this by having a better reset account process that does not rely on information that is contained within the credit report.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I attempted to use Annual Free Credit Report.com to obtained my credit file, Experian block my online attempts said I had to use regular mail to request said report and made the consumer wait and additional 14 days to get a copy of their report in direct violation of the FCRA. 

I received report # XXXX for XX/XX/2022, and noticed Experian had deleted the following ( 2 ) Loan accounts from said report : XXXX  XXXX XXXX XXXX XXXX {$17000.00}, and Personal Loan account {$13000.00}, both accounts are currently open in good standing without any late payments. 

Experian removal of both loans accounts intentionally lowered the consumers credit scores and ability to obtain additional loans. This act of removing open lines of credit was based on race and designed to lower the credit scores of Americans of XXXX decent and blocking the consumer ability to obtain said credit reports online and delaying the consumers ability to correct any information blocked said consumer from obtaining timely financing. 

I am therefore requesting a investigation into this practice asking the CFPB to enact and enforce laws and provide consumers from this abusive practice and fine Experian for this deceptive business practice that may affect millions of American of XXXX decent.
Consumer complaint received 2022-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (DE)

I contacted this collection agency initially on XX/XX/XXXX to dispute the debt as they stated to do in their XX/XX/XXXX mailing. Email dispute sent to their collections department ( XXXX ) I never received a response. On XXXX they sent another notice threatening to contact the credit bureaus. Second dispute sent to XXXX and XXXX their collections dept. Also forwarded initial dispute email to the payments department. 

XXXX had failed to apply the proper credits to this account. XX/XX/XXXX, I applied for their federal broadband assistance program that offered XXXX XXXX monthly bill credits for qualified applicants. I received approval XX/XX/XXXX ( see attachment ). I contacted XXXX to apply my credit ( see attachment ). As of XX/XX/XXXX the they had not. I contacted XXXX again and they advised that they would apply the credits retroactive back to XX/XX/XXXX ( see attached ). As of XX/XX/XXXX, they had not applied my credit so I rightfully terminated my service due to their inability to honor my approved application for assistance. 

This is the XXXX collection agency that has attempted to collect on this bill. First agency sent the bill back to XXXX. The amount of this bill is incorrect. The agency needs to contact XXXX to apply the proper credits and resend an accurate bill.
Consumer complaint received 2022-04-23
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. (TN)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The account listed below has once more violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 written instructions
Consumer complaint received 2022-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-24
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)

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 written instructions
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (CA)

Regarding my CFPB complaint number XXXX, on date XXXX Credit Control Corporation claims to have completed a proper investigation. 

Pursuant to 15 USC 1681i ( 6 ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

I request the name and address of the original creditor. 

I understand that this must be done within 5 days as described in 15 USC 1681i ( 6 ) ( A ).
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 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 I have attempted to reach out to this company multiple times to no response.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # 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 furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX  account begining with XXXX  has violated my rights. 1 5 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 2022-04-24
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)

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

XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # 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 furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 2022-04-23
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. (GA)

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

XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # XXXX , US BKPT CT XXXX XXXXXXXX Reference # 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 furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
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)

Account # : XXXX Account name : XXXX XXXX  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 a account without my written instructions
Consumer complaint received 2022-09-09
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. (GA)

I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXX XXXX XXXX Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. XXXX reporting agencies show I was never late. 
XXXX XXXX XXXX Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXXXXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. XXXX reporting agencies show I was never late. 
XXXX, Account XXXX XXXX : {$200.00} Never late. XXXX reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXXXXXX XXXX Account XXXX XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. XXXX reporting agencies show I was never late. Collect letter removed it from XXXX credit agency, but not the other XXXX credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. XXXX reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Several months ago our joint checking account in Bank of America was compromised, Bank of America put a freeze on this account that ends in XXXX. 
There is a balance {$3000.00} in this account, I made an appointment in their XXXX, Ma. Branch office to transfer the funds from frozen account to new active account, the branch manager told me she cant do it, and I have to call their fraud department, XXXX. 
I have been calling this number for the last three days, every single day I am on hold for almost an hour, I have other things to do besides listening to their music. 
Please help. 
Thank you
Consumer complaint received 2021-08-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

This is the letter I sent after my loan closed : First, this process started out terribly with my original communication with my Loan Processor XXXX XXXX, the first time we talked her communication was XXXX, bordering on XXXX, and she asked me for documentation of several items without clearly explaining how I was supposed to get them. Then she was rude and frustrated with me when I asked for clarification. At this point it should have been a red flag for me and I should have just looked for a different lender. 

Second, along with the previous communication from XXXX, I received several phone calls from her with an " update status '' where all she had to tell me was that she had nothing to tell me. To me as a consumer of your product that feels like no work was being completed on this project. Not only was this not helpful but it was extremely aggravating. 

Third, I understand the appraisal took a long time, but every time I asked for information on the appraiser, I was given nothing. Finally, a week and a half ago I was given knowledge that the appraisal isn't even ordered by you, it is ordered by the VA regional home loan office in XXXX. Of course, I wasn't given any contact information for them, so I looked them up myself and called them to get the process expedited. To me this is unacceptable and is something your team should have been doing all along. 

Fourth, as I was working with your team and started getting upset with this process, I requested to not be contacted by XXXX anymore ( this was completely ignored ) and I asked for assistance from your management team to finish this process up. I was contacted by XXXX XXXX, who said she would help facilitate and expedite this process. She did help to get the ball rolling, but as my communications progressed with her the return calls became non-existent. The last conversation I had with XXXX, she told me that a loan this small was normally a big deal but had basically insinuated that I had made it a big deal. I can't tell you how frustrating that statement came across. I know that {$500000.00} isn't a big # in the grand scheme of things for XXXX as a whole, but that definitely made me feel like being a valued customer who hasn't missed a single payment in years meant nothing to your team or company. Not to mention that borrowing any sum of funds in this amount for most American families is a life time event. 

Because this process took so long, I have had to rent back my current house for 8 days, however I still will be homeless for three days starting Wednesday of this week, to me this is unacceptable as this process was started over a month and a half ago. I feel that XXXX should help out with providing credits for a few months of payments, or some other benefit to help me and my family out after this long and painful process. At this point I will not be recommending anyone I know to use XXXX. I thought about sending this email to the VA regional home loan office as well but I will hold off until I hear a response back from you.