davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2022 I have submitted my FTC report along with my statement, identification, and the fraudulent account that was being reported to my account from Experian. On XX/XX/2022 I spoke to XXXX XXXX in the Fraud Special Team Department and stated to him pursuant to 15 U. S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. When I explained that to him he was yelling at me over talking me and would not let me get a word in. He also kept putting the phone on hold every time I spoke and eventually hung the phone up in my face. He stated that they will not block the Fraudulent Account, which makes him and Experian in direct violation of 15 U.S. Code 1681c-2. I am really upset and that is very inappropriate to treat a consumer. I have attached documents from my previous CFPB complaint along with this one, as well as my ID, My Statement, and my Identity Theft Report once again. XXXX  XXXX XXXX has removed this fraudulent account. This is a violation and I am seeking monetary relief for the stress, disrespect, and violations. The following Fraudulent Account : XXXX XXXX XXXX  ( Account Number : XXXX ) needs to be removed from my report immediately.
Consumer complaint received 2022-08-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, Experian gave my credit report to XXXX XXXX XXXX XXXX who did not have permissible permission. For 5 years, I have repeatedly requested the copy of the permissible permission used by XXXX and Experian. This led to a loan that I did not sign nor have possession of the vehicle. XXXX and Experian sent the attached undated and incomplete application as proof of permissible permission that was even completed after my credit report was pulled. I constantly requested the valid permission used by Experian who just passes the buck to XXXX and who then constantly replies - " At your request to conduct a reinvestigation, we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. ''
Consumer complaint received 2022-04-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have attempted to call Experian 6 times and each time the IVR will not get me to a person and will hang up. There is a fraudulent account on my credit report. I have tried for 3 months to get this removed but I keep getting declined by their system or hung up on. I have proof sent by the collections company and I have sent it in. They have not removed it as required.
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (NJ)

As part of the negotiation for my new lease, XXXX XXXX XXXX of XXXX sent me a check for the final payment on my old lease that I was to forward to Chrysler Capital. I diligently did this in XXXX however shortly after I started being hounded daily that there was a deficit on my account in that amount, which then began accruing late fees. At first everyone I spoke with at Chrysler Capital " saw the issue '' and was going to note to their manager and make a record in the system, but nothing was ever resolved. Eventually I escalated to " the executive office '' who after researching informed me that they did indeed have record of the check, but that they issued a refund to XXXX XXXX XXXX of XXXX without my knowing. However XXXX XXXX XXXX XXXX XXXX claims that they do not have record of this refund, only proof that Chrysler Capital did indeed deposit their check ( which they've shared with me ). They requested that Chrysler Capital share similar proof and/or a reference number to track the refund but Chrysler Capital claims they " don't share that information '' which is a red flag for me- how then is anyone to believe that they issued the refund? I've written letters disputing the amount and they just continue to have random representatives call me for payment. This has gone on for 3 years and I am now at the end of my lease. Needless to say I'm exhausted from arguing with them. As I've refused to pay anything over my usual lease amount each month, I've now accrued a total amount due of over $ XXXX ( My old lease payment of {$280.00}, so everything above that is " late fees '' ) which will need to be paid by XX/XX/XXXX to prevent it from affecting my credit. My choices now are to pay that amount or go through the trouble of hiring a lawyer. This feels like a classic scam as Chrysler Capital refuses to produce proof of the refund issued to the dealer, the dealer won't help without the check reference, and there seems to be nothing I can do to end this but pay.
Consumer complaint received 2022-04-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (WA)

On XX/XX/2022, I filed an application for a VA refinance with Rocket Mortgage and a credit report was instantly pulled around noon the same day. The lender began to subject my loan to seasoning requirements not allowed for my loan product. I resisted and notified the lender I would comply with the requests to prove seasoning of 6 payments, but I would file a complaint. As soon as I notified the lender of my intention to file a complaint, I was not provided an opportunity to prove I met seasoning requirements or a loan estimate within or after 72 hours of the application. The application was closed abruptly upon notice I would be complaining to the CFPB # XXXX because I had made a subsequent application with a broker affiliated with rocket mortgage. The problem is I only exercised my right to shop other lenders when the Rocket Mortgage insisted on applying different criteria that did not apply to my loan product. I had no way to reasonably be aware that the new lender had an agreement with rocket mortgage to impact my ability to shop around. At minimum, I should have been provided an opportunity to choose which loan officer I wanted to work with moving forward. I unequivocally noted I was willing to continue to work with Rocket Mortgage directly however it appears Rocket Mortgage held disdain because I exercised my rights to file a complaint over their application practices. Because of an escrow miscalculation not resolved until XX/XX/2022, XXXX continued to provide credit suppression protection until XX/XX/2022 despite timely payments meeting seasoning that does not apply to the VA loan product..
Consumer complaint received 2022-04-18
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: 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 2022-08-23
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. (NY)

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 2022-03-29
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. (FL)

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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-07
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2022-04-18
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. (FL)

My name is XXXX XXXX and I am WRITTING you about an entry listed on my credit report which I have tried to have removed. 
Apparently someone with a similar name to mine filed bankruptcy in ( NAME OF COURT AND DISTRICT HERE, and it is appearing on my credit report. 
After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. 
As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. 

VICTIM OF IDENTITY THEFT! 

Please be advised this is my SECOND WRITTEN REQUEST. You failed to block the fraudulent accounts and inquiries I requested in my last correspondence to you sent via Certified Mail, and by doing so you have incurred civil liability for Willful Non-Compliance under Section 616 of the FCRA. I keep all records of my correspondence with you so I am prepared in case I need to take you to court. 

I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts and inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Police Report and/or Fraud Affidavit. THIS IS A REQUIREMENT, AND NOT AN OPTION.
Consumer complaint received 2022-05-26
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: LJ Ross Associates (WI)

I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.
Consumer complaint received 2022-01-26
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I am the personal representative of my sister 's estate. When preparing to sell her home I discovered that PHH Mortgage had been charging her for insurance that was already being paid by her homeowners association. PHH Mortgage has since closed the mortgage with the home sale but has not refunded the overcharges for unnecessary insurance.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU (CA)

There is an item on my credit report under the company Creditors Bureau USA. This item is showing a balance of {$750.00} and a date opened of XX/XX/XXXX. I have made multiple attempts to contact this company to the address listed on my credit report XXXX XXXX XXXX XXXX, CA XXXX. I am not clear as to what this account is for, I have not received any verification documents from the original creditor, and I also do not know whether or not this debt collector is licensed, or has applied for a license, per the Debt Collection Licensing Act that took into effect XX/XX/XXXX.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

inIn accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX  15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( 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 its inaccurate XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

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

Account Name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

For many years I have looked at my account and in accordance to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow procedures to assume maximum possible accuracy of the information concerning the individual about whom the information relates according to 15 U.S.C 1681 ( e ) ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 It also states 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 information is inaccurate.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (MN)

There is no proper category. 

I am Citi bank Accelerated savings account. Number for last 4 digits as XXXX. Name XXXX XXXX. They had a promotion code and now they do not honor the terms of the marketing promotion. Promotion XXXX. account was opened on XX/XX/21. I talked to them on different dates to find when XXXX XXXX ( remaining XXXX miles ) will be credited to my XXXX  account. No response.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXXXX/XX/22 on XXXX XXXX website I applied for a business credit which is supposed to be a soft pull for their XXXX XXXX XXXX XXXX. So they definitely didnt make it clear that it was going to be a hard pull. Their website just stated that they need your social to verify your identification and not to hard pull your credit then declined me and then it lowered my score like XXXX points. How humiliating. They need to correct this problem. And Experian credit bureau shows it.