davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
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: Caliber Home Loans, Inc. (IN)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III (NY)

I reviewed a copy of my credit report and noted an entry from Allied Collection Svc that I could not apply. I reached out to Allied Collections on XX/XX/XXXX for further information and requested validation ( ex. proof that I am the owner of this debt, contract/application that I signed in relationship to this debt, statements from the original creditor including dates and amounts previously paid on this debt and not a computer-generated report from Allied containing the above information. On XX/XX/XXXX, Allied responded but did not include the above information I requested. Instead, Allied sent a letter with a computer-generated statement from Allied and not the original creditor. This is not acceptable and does not validate the debt. Meanwhile, Allied is still reporting this alleged non-validated debt on my credit report which is a direct violation of the FCRA, FDCPA and the New York State Consumer Credit Fairness Act of XXXX.
Consumer complaint received 2022-06-07
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: 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (MO)

Original creditor did not attempt to contact me to resolve the debt. Original creditor forged signatures on documents. Debt collection agency did not send any information to myself. The only information I have received about the collection account was from XXXX XXXX The original creditor is pursuing low income families in a predatory fashion. The original creditor is pursuing my family with malicious intent. The original creditor violated me.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I bought a car that was financed by Lobel Financial. Financed price was XXXX which totaled to XXXX if I followed the 30 total payment agreement of XXXX. In that contract I was charged XXXX for debt cancelation agreement. Once I started the payments Lobel Financial added XXXX to my original balance for LDW coverage for lack of insurance. My payments of XXXX increased to XXXX, XXXX extra billed monthly for 30 months ( XXXX ). I made a total of 10 payments equaling to XXXX including the XXXX agreement. My payments were due on the XXXX of every month. According to the XXXX agreement Lobel had 10 days from the day I went delinquent to revoke the service. I notified them that the cars engine gave out and they assigned my car for repo on XXXX which was before the 10 days of delinquency. My original balance if I followed the 30 month payment plan was XXXX but was increased to XXXX due to the XXXX premium of XXXX. I paid a total of XXXX in XXXX premiums. My debt should have been canceled as per the agreement. They refunded me XXXX in LDW rebate but failed to refund the remainder of the XXXX that was added as the XXXX premium totaling to the XXXX originally added. They charged off my account including LDW premiums but failed to provide me with the coverage. Lobel financial was sued by the CFPB in XX/XX/XXXX for charging premiums after delinquency but not providing coverage. I fall under the class action lawsuit and I would like for this debt to canceled and removed off of my credit report. This practice is unfair under the CFPA. Lobel Financial also violated FCRA by reporting incorrect balance.
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXas violated my rights Account # XXXXXXXX XXXX  has violated my rights Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), has violated my rights Account # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights Account # XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX had violated my rights Account # XXXXXXXX XXXX XXXX  has violated my rights Account XXXXXXXX XXXX XXXXas 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 2022-06-21
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-06-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC (FL)

Several hard inquiries have been made using my credit that I dont recall I am requesting there removal they are as follows XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Corelogic Credco XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Corelogic Credco XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On or around XX/XX/2022, I filed a complaint against the credit bureaus credit reporting and improper use of my credit report. The bureaus response to my complaint was that they would re-investigate my consumer report for the accounts I listed as violating my rights and would respond back within 30-60 days. According to the FCRA the term investigate a consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with whom he/she is acquainted or who may have knowledge concerning any such items of information. 
The credit bureaus stated that they updated/verified my accounts based on their investigation but how is that possible if they did not do a proper investigation according to the law? Also after their investigation ever piece of information on these accounts are STILL NOT reporting 100 % Accurate. I have the credit report showing all 3 bureaus reporting. I have placed an x by all of the inaccurate or missing information that shows the discrepancies amongst the 3 bureaus reporting of the following accounts : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX and XXXX XXXX XXXX  acct # XXXX XXXX 

These accounts are STILL reporting inaccurately and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report or you send me {$1000.00} per violation.
Consumer complaint received 2022-06-08
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 XXXX account # XXXX and XXXX XXXX XXXX, account # XXXX, have violated my rights. 

15 U.S.C. 1681 602 A states I have a right to privacy.

15 U.S.C. 1681 604 A, section 2 states a consumer reporting agency can not furnish an account without written instructions of the consumer to whom it relates.

15 U.S.C. 166B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-29
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. (PA)

Transunion is violating the law you have in place which is 15 usc1681i ( 5 ) ( a ), 15 usc1681i ( a ) ( 7 ), 15 usc 1681g ( a ) ( 1 ) & 15 usc 1681i ( a ) ( 1 ) ( a ). Transunion believes they are above the law once again! Cfpb already filed a lawsuit with TransUnion and XXXX of it subsidiaries including the XXXX XXXX XXXX but the violations of my consumer law doesnt stop. I demand XXXX XXXX times to verify these items below or delete them immediately to be in accordance with the consumer law you have in place and they failed to do so! The law is very clear as to the civil liability and the remedy available to me 15 usc 1681n & 15 usc 1681o, if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I followed all guidelines and you can see attached, TransUnion refuse to delete inaccurate and unverifiable information from my consumer report in the timeframe the law gave them. Transunion thinks they are above the law, theyre not above the law, as the cfpb Im coming to you to hold this company accountable! The law doesnt speak about giving me a response, the law says delete or block this information if its inaccurate or unverifiable, is this not your law ( XXXX )? TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB XXXX XXXX XXXX. I am concerned that XXXX leadership is either unwilling or incapable of operating its businesses lawfully. However, based on the nearly XXXX consumer complaints about TransUnion that the XXXX received in XXXX alone, TransUnion has struggled to maintain that trust after they branded themselves on accuracy and trustworthiness. In XX/XX/XXXX TransUnion agreed to pay {$13.00} XXXX in restitution to victims and {$3.00} XXXX in civil penalties. Why are you letting TransUnion constantly break the law and damage reputation and character of us consumers? 

XXXX XXXX XXXX XXXX XXXXXXXX {$490.00} XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX XXXX {$4800.00}
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

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 also states that a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-12-29
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. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (NC)

In accordance with the Fair Credit Reporting act TransUnion 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 rights 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 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX my card was set up on autopsy my ending balance was XXXX $ I had an autopay set up for the amount of XXXX In order to change that amount I had to delete it and change the amount On that transaction it was a simple overlook. The amount of XXXX $ was my payoff During this time I had lost my mother and my family and I were grieving. 
My account had excellent standing. I never been late on a payment. I had not made that last payment of XXXX $ My account was never notified with a late payment and I had that set up to notify me. The account went into late fees and now I owe XXXX I contacted the credit card company and their understanding was clear forgive me for the late fees. Now my credit report has a negative impact on my score. I have worked very hard to keep my debt in good standing. The credit report is showing that late payment. Which was cleared up and paid. This one-time hit has cost me my credit report to show this negative impact. I would like to have this looked into. Someone who has nothing should not be a victim of shame on their credit report because this credit card company negligence on sending notices or having a good status on contacting this issue. The cost of XXXX has hurt my personal credit. I have good faith and that means something to me.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I stated that inaccurate late payments are being furnished on my report that needs to be removed. Per my request the information came back as : Meets FCRA requirements and has not been removed. HOWEVER, THE FOLLOWING INFORMATION IS IN VIOLATION OF 15 USC 6802 OF THE GLBA. MY NON-PUBLIC PERSONAL INFORMATION IS BEING FURNISHED TO NON-AFFILIATED THIRD PARTIES IN WHICH I NEVER GAVE LAWFUL CONSENT TO DO. As a result, this information being reported ruined my financial reputation and is in violation of 18 USC 894 of using unlawful extortionate means in which you can be held criminally liable for 20 years. These late payments need to be removed immediately as this is a breach of my privacy. Nothing under the FCRA requires the furnisher to furnish any negative information about me so furthermore, I am requesting the name of the person who verified this information was accurate as if they have lawful authority to do so as well as their telephone number and address. This is my last attempt to settle this matter before taking legal action for willful non-compliance for not following reasonable procedures in making my report fair and equitable to me the consumer
Consumer complaint received 2022-12-03
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: AMERICAN EXPRESS COMPANY (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account 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 purpose.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-07
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. (FL)

in accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I want TD auto finance to remove all late payments from my credit report. 

I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent. 

I ask that TD Auto Finance remove all information from my credit report, I was never given the opportunity by TD Auto Finance to opt of credit reporting.
Consumer complaint received 2022-06-21
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. (AZ)

I received an online alert that XXXXXXXX XXXX XXXXe pulled my credit report. I have a active fraud alert, requiring a phone authorization for any credit pull or account opening. I didn't receive a phone call from XXXX. I wrote Transunion a request for documentation or deletion of the inquiry from my credit report. I called Transunion to follow-up on the letter and was told I needed a letter from XXXX. XXXX said they don't have such a letter and to dispute it through the credit bureau. I want this inquiry deleted from my Transunion report if they can't uphold the fraud alert and provide authorization documentation.