davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A states that I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

I had a payment due on XXXX  that was set for autopay. I called XXXX  to notify Westlake Financial Services that I had a new bank account number and to please use the new one. As shown on the screenshots below every time that I would log in it to make a payment, it would say that I did not have a payment due until XX/XX/XXXX in the amount of {$550.00}. It also clearly game a warning that a payment was in process and asked me if I was sure if I wanted to make another payment. I don't have the money to make a duplicate payment. As a student and full time XXXX driver, I would've made the duplicate payment if I would've known my car would be repossessed for their own mistake or not updating the financial dashboard. Very misleading and borderline malicious how XXXX went about things. In my head without any email notice or phone call, from Westlake Financial ( The Lender ) and the Collections department that is ironically also ( Westlake Financial ), my car was repossessed on XXXX  and sold back to the original dealer of purchase. Weird. In addition, at the time of purchase the dealer did not give me an option to use XXXX XXXX or another lender of choice and pressured me to use Westlake Financial which is not surprised. At first when talking to XXXX XXXX at XXXX, he refused to answer any questions and kept referring me back to the dealer as the car was sold back to them in the matter of hours. I personally believe the relationship between Westlake Financial and this dealership is very suspect. On top of this, XXXX has a 15 Day Grace period to make a payment which in this case, they took my recently purchased auto and {$1500.00} hard earned dollars for being 10 days late. I am a full time XXXX driver and this has taken a toll on my quality of life and will require a serious lifestyle change to get my life back. I am in the dispute process and hope that the XXXX can help me with a resolution to get my vehicle back.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

XX/XX/2023 XXXX XXXX  Placed call to customer service line for Citizens One Bank. Received automated message offering a callback due to heavy call volume. XXXX. 


XX/XX/2023 XXXX XXXX  Received callback. Placed on hold. 


XX/XX/2023 XXXX XXXX  Transferred to Payments, operator informs me he can not help me, transfers me back to Customer Service XXXX 


XX/XX/2023 XXXX XXXX  Connected to XXXX XXXX XXXX. XXXX is happy to help, says they will send the XXXX   removal form ... by mail in XXXX days. I asked the agent why I could not get an electronic copy, since literally every other thing I get from them is electronic, including statements, tax forms, escrow notices, etc. They do not know, it is the policy. 

This is my complaint : I made a mortgage agreement ( with a different company, this is my third loan servicer ), and I understood that making XXXX  payments was part of that agreement until certain conditions had been met. I have met those conditions, now I want to stop paying. Citizen 's One Bank is deliberately trying to make the process as slow as possible in the hopes that I will give up, forget, or at least be delayed. It is a small thing, we are talking about ~ $ XXXX, but it is unfair and unethical. There is no reason they need to mail me a blank form when every other interaction is electronic. 

To clarify, I do not think the excessive phone wait time is deliberate, per XXXX, just that they are either incompetent and/or too cheap to staff their customer service.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I reported the Credit Acceptance account as inaccurately reporting as closed on my credit report with an unpaid balance. When I called Credit Acceptance they stated the account is open and active but refused to disclose information with me and gave me a thirds party to contact and when I contacted the thirds party I was told that they will not give me any information. This is unfair.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

There is a feature on the Capital One credit card that allows you to do virtual card purchases. Everyone has it even my husband. I have been using this feature for longerthan 4 years.I got on today to purchase my college transcripts andthe button was removed from my account. I called Capital One to find out what was going on and was told that the button was removed from my account because they were concerned about security and a bunch of other excuses. When I asked them why my account wasn't Frozen advising them i work in XXXX and also know aboutXXXX for my account and if they were concerned about security they started to back pedal and say it wasn't a security concern that they just had removed it from my account. 
I feel like I am being discriminated against since everyone else has the ability to use this. My husband still has this feature on his account so this is not some kind of privacy I was blatantly told this button was perfectly removed from my account and they will not give me an answer as to when I am going to get it back. They just tell me to check back from time to time. The other problem becomes that when I regenerate my virtual card numbers it ends the card before that. I can not end the card that I opened yesterday because they took away my ability to do that. I've talked to two senior-level people in this company and I advise the last one that I think that this is discrimination since everybody else has this ability but they have taken it away from me. It is not fair I have had a long and good standing account this Bank I currently hold over {$5000.00} and have never had a negative account.They advertise tremendously on their website and all over on my credit card page about this virtual card ability to be able to get a virtual card whenever I need it for the protection of my account and now they are doing things like this to people?
Consumer complaint received 2023-01-27
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: MIDFIRST BANK (DC)

THIS COMPANY BOUGHT MY MORTGAGE FROM ANOTHER COMPANY IN XXXX OF 2021 AND HAS NOT REPORTED TO THE CREDIT BUREAUS PLEASE SEE ATTACHED CREDIT REPORT FROM XXXX SHOWING NO MORTGAGE.
Consumer complaint received 2022-12-16
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. (FL)

Had a XXXX XXXX XXXX XXXX and it was a voluntary repo with XXXX XXXX and they are reporting the account incorrectly and it was sold via auction. Reached out to company I no longer owe balance and report correctly but they will not respond.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MA)

Account name XXXX XXXX XXXX XXXX Account number XXXX I obtained a XXXXdollar Perkins loan in XXXX. UAS connect claims that this loan became delinquent in XXXX because they do not have documentation on this loan prior to XXXX. However, I was a full-time student from XXXX and XXXX so it is not possible that the loan became delinquent in XXXX. This loan became delinquent in XXXX prior to re-starting school and therefore should have fallen off my credit score report. 

I believe that UAS Connect either lost my loan information prior to XXXX or are incorrectly reporting my loan history since I legally changed the spelling of my name in XXXX. This XXXX dollar Perkins loan that I obtained 13 years ago is unjustly hurting my credit and my current financial opportunities. 

I have attached proof of my full-time student status in XXXX, which disputes the proposed date of delinquency. I have discussed the above with UAS connect multiple times and they have failed to produce any loan documentation prior to XXXX. I believe they have mishandled case. I have made multiple disputes with XXXX and they have failed to give detailed information as to why they are dismissing my dispute.
Consumer complaint received 2023-03-15
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: McCarthy, Burgess & Wolff, Inc. (NY)

Ive asked the XXXX XXXX  XXXX XXXX and McCarty burgess & Wolff to verify the information on my credit report has been accurate and they agreed disputes were summited and closed. Inaccurate information including delinquency dates and amounts on all three credit reports, XXXX, XXXX, and XXXX XXXX. 


McCarthy Burgess & Wolff XXXX XXXX XXXX XXXX OH XXXX I am formally requested them to validate that this account actually belongs to XXXX XXXX XXXX XXXX and confirm the reporting is accurate. Also according to Fair Debt Collection Practices Act the FDCPA Law A debt collector may not collect any interest or fee not authorized by the agreement or by law. Any misreporting violations of my agreement should be immediately removed and deleted off my credit report. 

I am formally requesting that the account with be considered for deletion and all trade-line listings that were submitted to the three major credit reporting agencies be deleted due to inaccurate reporting for law violations. 

Supporting documentation includes myfico reporting of all 3 major credit bureaus, fair, credit, reporting act, and signed notary. 

License Social security And other documents uploaded
Consumer complaint received 2023-03-15
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. (MA)

In Accordance with the Fair Cedit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cosumer reporting agency can not furnish a account without my written instructions U S C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15U.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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc. (PA)

Self Inc., has charged me an annual fee ( which is not an issue ), the issue is that they did not notify me of the annual fee in no manner. I double checked my email, app notifcations, and my paper mail and Self has not till date sent me any notifications. Because of this now I have a late payment being reported to the credit bureaus. This annual fee should not be reported as late because I was not notified of the annual fee.
Consumer complaint received 2023-03-15
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)

Fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX  {$730.00} XXXX. XXXX XXXX XXXX {$510.00} XXXX. XXXX XXXX XXXX XXXX  {$460.00}
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the " Fair Credit Reporting Act '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : 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.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America wants me to send a copy of my ID and social security card over the mail along with my paperwork for my fraud case. I don't feel comfortable mailing those documents after someone already got a hold of my ssn.