davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 my fiancee and I inquired with XXXX XXXX XXXX  about a mortgage and if we should get it under both of our names or just under her name. The agent on the phone, XXXX XXXX, asked about our credit scores and about our SSNs and we told him to not under any circumstances hard pull the credit. He agreed and confirmed it would only be a soft pull and it would not appear on our credit report/ would not influence our credit score and listed hard inquiries.

In the end, we decided that we will get the mortage under my fiancees name. 
Despite this, a hard pull appeared on my credit report, which I made XXXX XXXX aware of and asked them to correct it. I emailed XXXX XXXX XXXX  to make them aware and they simply ignored it saying they did not pull my credit. 
Later, they even did a hard pull again around the date my fiancee was closing the mortgage ( XX/XX/2022 ) despite the fact that it was not even under my name. I emailed XXXX XXXX XXXX  to provide an explanation and they only stated that they did not pull it. 
I called experian and they removed the duplicate pull but experian told me that they could not remove the other pull and that XXXX XXXX XXXX  would have to file a dispute. 

I emailed XXXX XXXX XXXX  to do this with no response at all.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (NC)

Company : Westlake Financial Services XXXX XXXX : XXXX XXXX XXXX XXXX Account : XXXX Vehicle : XXXX XXXX XXXX I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' WESTLAKE FINANCIAL SERVICES is a financial institution by definition under this title. 15 USC 1681 section 604 a section 2 states that under the following circumstances and no other private information can be shared : in accordance with the written instructions of the consumer to which it relates. Westlake Financial Services the financial institution do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Westlake Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Westlake Financial Services never informed me of my rights to excesses my nondisclosure option. 

Westlake Financial Services had shared my nonpublic personal information with XXXX XXXX XXXX  XXXX without my consent, violating 15 USC 6801, 15 USC 1681, and 15 USC 6802. In Addition Westlake Financial Services XXXX XXXX XXXX XXXX  XXXX to take possession on my property ( XXXX XXXX XXXX ) without my consent, violating 15 USC 1692 ( f ) which states A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property. On XX/XX/XXXX and again on XX/XX/XXXX XXXX XXXX XXXX  XXXX had taken non-judicial action against me in a form of dispossession of my XXXX XXXX XXXX property.
Consumer complaint received 2022-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I applied for home equity line of credit with BOA in XXXX. The underwriter requested XXXX  years of XXXX which we did not have as we were overseas ; however, we have documents in XXXX from our previous employer. The processor called us and said everything looks great but you have to reapply in order for the loan to work! We will move all of the documents you provided and upload them to the new loan. We agreed to reapply since everything looked good and they made it work. After reapplying the processor said that it was declined because I had to wait XXXX days before reapplying because it looks like a duplicate loan but after XXXX days you can reapply and we should be good. I waited XXXX  months and XXXX credit enquiries and false hopes. I now have to apply with a different bank but I have not been told by BOA why the loan does not work. I would like to dispute my credit enquiry
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am unable to access my TransUnion report online or through annual credit report.com. Subject : Dispute Against TransUnion for Denial of Access and Reporting Violations. 
I am submitting this complaint against TransUnion due to the following issues : 1. Denial of Access to Credit Report : I am unable to access my TransUnion credit report either online or through XXXX. This lack of access has significantly hindered my ability to monitor, manage, and dispute inaccuracies on my credit report, causing harm and stress. 
2. Reinsertion of XXXX Account Without Notification : TransUnion unlawfully reinserted a XXXX XXXX XXXX account into my credit report without notifying me within the required 5-day period as outlined under the Fair Credit Reporting Act ( FCRA ).

3. Errors in XXXX XXXX XXXX  Account Reporting : I am unable to adequately dispute inaccuracies on my TransUnion report regarding a XXXX XXXX XXXX  account. This account is : Not reporting any payment history. 
Showing an incorrect payment history code. 
Displaying an incorrect date of last activity. 

XXXX. Requested Resolution : I respectfully request that TransUnion : 1. Provide immediate access to my credit report online and through XXXX to ensure I can manage my credit properly. 
2. Investigate and remove the XXXX XXXX XXXX account due to failure to comply with FCRA reinsertion notice requirements. 
3. Reinvestigate the XXXX XXXX XXXX  account, update or correct all errors, and ensure it reflects accurate information regarding payment history, account payment history codes, and the correct date of last activity. 
4. Provide written confirmation of all actions taken to resolve this dispute. 

XXXX. Supporting Details : TransUnions failure to provide proper notice for reinsertion of the XXXX account violates FCRA Section 611 ( a ) ( 5 ) ( B ). 
The inability to access my credit report violates my rights under the FCRA to review and dispute inaccurate information. 
The inaccurate reporting of the XXXX XXXX XXXX  account has further impacted my credit profile and ability to apply for credit. 

Please address these issues promptly as they are causing me harm and infringing upon my rights as a consumer.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-12-27
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. (PR)

XXXX Account # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity/Wayfair XXXX XXXX - This company ( Comenity ) increased my credit limit at my request. I began to order more items from Wayfair because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. Wayfair nor Comenity were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. Comenity finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at Comenity ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ 1,500+ because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a prepaid debit card from XXXX XXXX XXXX  for being a part of a research project. 
I went online to registered the card, per the instructions I received, which were published by Bank of America, the issuer of the card. 

I tried to use the card a couple of weeks later, and it was refused. I was trying to use the card on XXXX. 

I went on the Bank of America website to confirm that my card was registered to me, and I updated the PIN for the thing. All seemed in order there, so I figured there was a problem with my trying to use the card because it is a debit card ( I don't use debit cards because they are innately insecure, so I don't really know how it works, using them online. 

Then, I tried to use the card again on XXXX, and the card was refused, again. 

Same drill with the Bank of America website, which reported that my card was registered in my name, and associated with me at my home address. 

Then, I tried to use the card via XXXX to pay for a donation I wanted to make a donation to a not for profit. 

The card was refused yet again. 

Same drill with the Bank of America website, but this time I followed up by calling the customer service number on the back of the card. 

This time, I spent XXXX minutes on the phone, getting the problem fixed, with my call being dropped by " XXXX in Tennessee '' because his VPN wasn't working properly. 

Apparently, Bank of America 's site for registering prepaid cards did not associate my card with me, and it was showing up as unregistered on XXXX 's screen. 

I want Bank of America held accountable for this scheme, because we all know that this was intended to make it hard for me to access this money in hopes that Bank of America could keep it for its management to count as profits when the card expires in XXXX years. 

The bank is notorious for pulling these kinds of cons, and the managers of the bank must be held accountable for this illegal behavior. 

Oh, and I also found out when speaking with XXXX that Bank of America will not allow me to use the card when transacting through XXXX, one of its competitors. That seems to fly the face of all kinds of competitiveness laws and regulations. If denying me the ability to utilize XXXX to clear my transactions is legal, I want CFPB to explain why that is, because I want to write my elected representatives to complain about that. 

And for the record, nowhere in the paperwork I received when given this card does it clearly state that I am not allowed to transact over XXXX 's infrastructure.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (NJ)

In XX/XX/XXXX I reached out to BSI Financial to ask how I can go about requesting PMI discharge on my mortgage. I spoke with a rep on XX/XX/XXXX at XXXX and asked if it was possible and if there was any specifics I needed. She escalated within the corporation and they indicated yes I could request discharge, that I would just need to get my own appraisal and submit via email. There were no other conditions. I then again called XX/XX/XXXX at XXXX and spoke with someone else asking again if there were any specific conditions I needed to meet to discharge PMI and if they had a specific appraisal form, after speaking with an appraiser. They again confirmed there was no specific form and no additional requirements. Submitted appraisal on XX/XX/XXXX. Spoke with someone XX/XX/XXXX and said it was still in review. On XXXX we received a letter saying it was rejected because we hadn't owned the home for atleast 2 years. NEVER was this information told to me and you can not find their requirements anywhere online, nor was I provided this information before the appraisal when I asked multiple reps. Obviously I wouldn't have gotten an appraisal and wasted {$400.00} if that was the case. I want my appraisal money reimbursed. I submitted an appeal to this on XX/XX/XXXX and never got a response. My husband reached out within the last 3 months and asked again, and they said we didn't qualify for discharge because of the 2 years. 
Our equity is well above 20 % and PMI should be discharged. They also indicated they haven't received evidence the value of property has not declined below original value which is completely false. I asked numerous times for requirements to discharge PMI and they knew how long I owned the home for because they hold the mortgage. My mortgage was started in XX/XX/XXXX and then was sold to BSI financial. It's not like I could choose who bought my loan immediately after we closed. I do not want to pay another {$400.00} for a new appraisal now when I would have waited to begin with. I want either my {$400.00} reimbursed or my PMI discharged with a credit for the amount paid between my submission and now.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To CFBB, I want to say in this complaint about EXPERIAN consumer reporting agency, this is not the first time that they have sent me this stall tactic letter that I have attached to my proof. I have had many family members & friends receive the same letter, and they have forced me to learn my consumer law rights put in place by congress ( government ) to protect me as a consumer when it comes to my consumer credit report. Furthermore, what makes it appear that the changes to be made in my personal information has not come directly from me or be authorized by me as you see I have sent proof of my identity and proof of address ( 2 ) etc. Why are they not doing as they stated in their letter, not acting on what I have requested in a certified mail form that I have attached how I sent it to them and try to use the FCRA law out of context. First, I am not asking for a reinvestigation and my directly is by mail so that I could keep a paper trail for any violation action that may be taken so that I can take further action. It is my right and business if I want to use any third party and I know that any a reinvestigation on a dispute or validation is free of charge from what they are stating on their letters. 

They are using 15 USC 1681i ( A ) Procedure in case of disputed accuracy, and its subchapters out of it context concerning me as a protected consumer. Also, in 15 USC 1681s- ( 2 ) Responsibilities of furnishers of information to consumer reporting agencies it in place to go with 15 USC 1681i ( A ). It is my right if I choose to mail in my request instead of calling in and spending my whole day on the phone waiting to speak with the fraud department or visiting their website to upload documents I choose not to do. I am asking that they ( Experian ) be investigated ) for the tactics that they are using against consumers request accurate personal information and disputing and validation of their tactic letters. Again there is nothing that I need reinvestigation with, put what I have stated and request from my letter sent to EXPERIAN TO DO. Also as stated in my personal information I will report this matter to, FTC, CFPB, FDCPA, XXXX etc.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXX have 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.