davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reached out to the XXXX credit bureaus. Transunion, XXXX and XXXX because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was using Zelle through XXXX XXXX XXXXXXXX to send my rent money in. The recipient DID NOT receive the funds into his bank account, however he received a text from Zelle saying that the money is ready through XXXX. He does not bank through XXXX he banks through XXXX XXXX. I called both XXXX XXXXXXXX XXXX and Zelle, and they were both very unhelpful. They filed a claim on fraud for that transaction, which, weeks later, was apparently denied. This goes beyond me getting my money back, this is a blatant crime!
Consumer complaint received 2022-08-06
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)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a ( 3 ). They assumed this role without permission not only that they did not have my consent. They did not respect my rights to privacy which is under 15 USC 1681 a ( 4 ). They did not exercise there grave responsibility, they were unfair, they were partial. They never had permissible purpose Under 1681 b ( 2 ). I never consented to this report in the first place.
Consumer complaint received 2022-08-09
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. (MS)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent follow-up letters and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request and that goes against my rights under the FCRA.
Consumer complaint received 2022-08-06
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)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my rights. Regarding alleged account # XXXX, 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

Subject : Complaint Against ChexSystems for Failure to Block and Delete Fraudulent Accounts and Inquiries Due to Identity Theft Complaint Details : I am a victim of identity theft as a result of the XXXX XXXX breach, which has led to unauthorized accounts and inquiries appearing on my ChexSystems report. Despite my formal written request to ChexSystems, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), they have not taken action to block and delete the following fraudulent entries : 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  ) ChexSystems is legally required to block and delete these items upon notification of identity theft, yet their failure to act has exacerbated the harm caused by the data breach. This negligence violates my rights under the FCRA and leaves me vulnerable to further financial harm.

Resolution Requested : I request CFPBs assistance in compelling ChexSystems to : Promptly block and delete the above-listed fraudulent entries. 
Provide written confirmation of these actions. 
Ensure compliance with FCRA requirements for handling identity theft cases. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern I asked the credit bureaus to do a verification of everything on my credit report, which they did and they verified with me that everything was accurate. However, I did my own research and found improper inaccuracies on the credit report. After disputing the student loan account with XXXX  XXXX XXXX starting with account # XXXX, I disputed the information with Transunion, XXXX, and XXXX. I found several inaccuracies even after an FCRA investigation was completed. There are several inaccuracies on the high credit limit, last reported date, and last active date. According to the fair credit reporting act, that I included below, the credit bureaus credit report was not completed accurately and due to this, I want all information associated with this account deleted off of my credit report. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C. 1681 section602 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 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-08-06
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)

XXXX is reporting information on me without a permissible purpose to do so. 15 U.S.C. 1681 The congress finds that the consumer reporting agencies ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers which means they didn't have permission not did they not have permission they don't have my consent to furnish anything on me without my written instructions pursuant to 15 U.S.C 1681B it states that a consumer reporting agency MAY furnish ( doesn't man required ) in ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER can you please have XXXX provide me the document where I gave them in written form giving them permission to furnish anything on my consumer report. I've never consented to the report in the first place. Also congress states that there is a need to insure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality and a respect for consumer right to PRIVACY my privacy is being violated again also because not only is XXXX a credit reporting agency they are a financial institution as well meaning they also fall under the privacy laws of the Gramm-leach Bliley act 15 U.S.C 6801-6804 XXXX is furnishing on my report non public personal information which the definition of that term is personally identifiable financial information resulting from any transaction with the consumer or any service performed so that means balances, monthly payments, missed payments, charge offs, account numbers, social security numbers etc . all falls in with financial information and needs to be deleted from my consumer report al of this makes XXXX civilly liable for willful noncompliance
Consumer complaint received 2022-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

Sixty Days??? For what??? They will not respond to my request for accounting statements of all payments and charges. They lock you out on the website and put up notices you can't pay your loan off. They are charging me a monthly {$300.00} with NO balance due listed. They would still be debiting my account for {$400.00} if I didn't stop it. They are lying and stealing from me and you are going to give them sixty more days to charge me more fees, interest and whatever. I demand this be stoped now. They send me XXXX form emails, They say I have to call them to listen to there XXXX sales pitch. They will not send me any legitimate loan documentation and they are drawing this out to force me to pay more every day. 


-- -- -Original Message -- -- - From : CFPB XXXX To : XXXX XXXX Sent : Wed, XX/XX/2022 XXXX am Subject : The company has responded that it is still working on your issue. 


CFPB Header ( XXXX ) XXXX consumerfinance.gov The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

You can log in to see the companys response at CFPBs secure website. You can also review the companys response by phone with someone. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Payday loan, title loan, or personal loan ISSUE Problem with the payoff process at the end of the loan Log in to view company response First time logging in? Set up your password
Consumer complaint received 2022-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK (AZ)

Back in XX/XX/2022, I contact Loan Officer XXXX XXXX at Civic Financial and told him that I wanted to refinance and cash out of XXXX XXXX XXXX XXXX in XXXX Texas. 

XXXX XXXX instructed me that rates are going up and that if I completed all the discloses and approvals with the bank, I would a rate of 5.25 % at XXXX XXXX XXXX XXXX XXXX TX XXXX Completed all the e-forms in XX/XX/XXXX and XXXX XXXX instructed me that the file would be sent to underwriting. 

When I spoke to XXXX XXXX in XXXX, he indicated that there was a backlog in the under writing and indicated my special rate of 5.25 % would be honored by Civic Financial. 

I was informed yesterday that the CEO of Civic Financial is not willing to honor the rate of 5.25 % and has told that all loans stuck in under writing would now be on 6.75 %. 

This is very unfair to me as a client of Civic Financial, since I have acted in good faith and Civic should have taken steps to manage the backlog of loans in under writing.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account xxxxxxx, XXXX Account xxxxxx, 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 2022-08-06
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. (AZ)

XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.
Consumer complaint received 2022-08-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc. (NE)

Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. 

I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Credit application of XX/XX/22 was fraudulent. Contacted Capital One to notify them of the fraud. They updated their file, but the XXXX credit reporting agencies still have the inquiry on file. Requested that they remove the fraudulent inquiry.
Consumer complaint received 2022-08-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 2022-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have made several requests that XXXX update my accounts with the payments. In reviewing my Select Portfolio account I have found yet another one of my account that does not have correct information. My loan was transferred to SPS back in XX/XX/2020 which they sent me a letter stating the change. My first payment was sent to them XXXX and XXXX but their records show no evidence of the payments being reported
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Every single month i am here to get my personal information corrected or inaccurate information removed with this company! I have told them several times what my information should read. You continue to add information that is not mine to my report. 
The ONLY RESIDENTS THAT SHOULD REPORT ON MY REPORT IS XXXX XXXX XXXX XXXX PA XXXX. I NEVER LIVED AT THE 2 LISTED ADDRESSES YOU HAVE ON MY CREDIT REPORT. WHY DO YOU CONTINUE TO PUT THIS ON HERE! 

I AM TELLING YOU TO REMOVE THOSE ADDRESSES AT ONCE! 
IM GETTING EXTREMELY SICK AND TIRED OF THIS! 

Match the information that has been provided and corrected by the other credit bureaus
Consumer complaint received 2022-08-06
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. (AZ)

XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.
Consumer complaint received 2022-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/2022 Capital One received a cease and desist letter in regards to account ending in XXXX. In this letter I stated that they violated my federal rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). They sent a letter dated XX/XX/2022 stating that they wanted me to contact them via phone and they could not fulfill my request through written correspondence. Capital One violated my federal rights by not contacting the consumer reporting agencies and informing them to remove my that account from them. Also 15 USC 1681 ( a ) states that any information in regards to identity theft shall be removed after receipt of information after 4 business days. Please see the attached documents.
Consumer complaint received 2022-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credence Resource Management, LLC (TX)

XX/XX/2019 I was an employee at XXXX & XXXX. My aunt passed away and i was admitted into the hospital on XXXX work related stress. I was approved fmla for the time off and paid by the company. when i returned i was XXXX. I was billed for company items that were given to me on discounts as an employee. My bank accounts were closed. I never did any business outside of being a company employer. I don't know who is asking me for money. I was not allowed around company properties during a year long investigation and grievance during the pandemic. I never signed a contract nor I gave permission to pass information to a 3rd party that I never heard of post pandemic. This company did not verify a debt without sending written information or notification post pandemic. I dont know why I owe this company the dates are between XX/XX/2019 to present.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 Experian Updated/ Reported on my report two accounts from XXXX XXXX XXXX XXXX that show 1 As A Paid Account/ 60 days past due. And another As A Paid account/ Charge Off. Both Accounts Are A PAID DEBT That I Will Like Removed off of my credit reports as they are hurting my scores. I have sent multiple letters and contacted the creditor multiple times to try in resolve this issue with no response.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.