davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent a letter to the consumer report agencies mentioning multiple violations of misleading false reporting on my report. Not only have they not replied to me, I feel like I am being ignored. 
In the FCRPA, according to 15 usc 1681a ( 2 ) ( B ) which talks about exclusions ( meaning suppose to be excluded from the credit report ) it says : " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' When the FCRPA says credit card at a glance you may think they are talking about a visa card or mastercard etc ... but it is not the case here and the FCRPA proves it by specifically mentioning and defining that a credit card means any card not a metal cards plates or coupon books or other devices used in the purpose of obtaining money or property or labor or services on credit but your social security card that is in fact the credit card the FCRPA is talking about.

Now according to 15 usc 1681a under the exclusion section ( B ), anything that was extended or authorized from a credit card ( social security card ) should be excluded from my consumer report. I believe if they do not remove from my credit report, the consumer report agencies are civilly liable reporting this information and it is also inaccurate.

In addition, when the consumer report creates an investigated consumer report, according to 15 usc 1681a under the exclusion section ( e ) : The term investigative 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Which means that the information that I disputed and that appeared on my credit report should be excluded once and for all.
Consumer complaint received 2024-07-26
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. (TX)

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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 : 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
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (FL)

Dear CFPB, My name is XXXX XXXX and I went through the first time homebuyer program called XXXX and XXXX XXXX located in XXXX, Florida, and the coordinator was XXXX XXXX. I owned my own land and received a FHA construction loan, and built a home on my own land. My loan originated as a FHA loan, The original loan was with XXXX, which is now out of business. My loan has been transferred at least 8 times and during a plethora of transitions of the loan, the loan was converted from FHA to Conventional without my knowledge. 

How I was aware of this debacle is when Selene Finance had my loan in XXXX, and then it was transferred to XXXX XXXX, which is now back to Selene Financing XXXX. I have endlessly been fighting to rectify this. I have come to a conclusion as to why my loan was transferred from FHA to Conventional and was attempted to force into foreclosure. I feel that I have been discriminated against due to economic disparity, race, being a single mother, which are grounds of violating my rights which is Title VII of Civil Rights Acts of XXXX  which is the Fair Housing Act. I will send the original Mortgage note upon request. 

On XX/XX/XXXX, I called Selene Finance and spoke to XXXX in customer service and stated to him that Ihave received a letter stating that the loan will be transferred to XXXX XXXX on XXXX XXXX. I also stated to him that the letter was dated XX/XX/XXXX, and that I received this letter through U.S. mail on XXXX XXXX. Furthermore I stated to XXXX to review the Mortgage documents and the note and he agreed that on the documents it clearly states that this is a FHA loan. As evidence, I requested the caller id number which is XXXX, and the call was recorded. By law, your Lender has to inform the borrower that the loan will be transferred. This company is very unprofessional and practices very questionable lending practices. I filed a complaint with concerns with Selene Finance in the past about this companys practices. Attached to this letter is evidence pertaining to my loan. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (CA)

In XX/XX/XXXX, I leased my XXXX XXXX XXXX from Ally Financials and decided to buy out my lease after making XXXX payments. On XX/XX/XXXX, I received my lease buyout loan from XXXX  XXXX XXXX and we ( XXXX  XXXX XXXX, Ally Financials and myself ) were on a conference call together to go over the following steps. At that point, total buy out amount was {$58000.00} and it's good thru XX/XX/XXXX. On the conference call, I told them I would like to make one time payment of {$18000.00} and refinance the remaining {$40000.00}. Ally instructed me to make the one-time payment of $ XXXX via their mobile app and request Lease Buyout Quote/Letter ( " Letter '', which is required by XXXX XXXX XXXX ) the following day . Thus, I made the one-time payment on XX/XX/XXXX and requested the Letter on XX/XX/XXXX. Ally told me that it'd take 24 to 48 hours to receive the Letter. Since XX/XX/XXXX, I've been following up with Ally on the Letter every single day, but Ally kept telling me to wait a bit longer given they are short of staff. They also advise me that once the Letter is available, I can extend the good thru date for longer processing time. On XX/XX/XXXX, XXXX  XXXX XXXX called me to follow up on the Letter and we have another conference call. On the call, Ally told me that total lease buyout amount at this point is increased by over {$700.00} given it's past the good thru date of XX/XX/XXXX. I told them what I've heard from the previous conversations with Ally ( that I can extend the good through date with the same $ XXXX buyout amount as this is due to they couldn't provide the lease buyout letter in a timely manner ). However, the customer representative from Ally told me that there's nothing they can do in this situation. As of right now, they still couldn't provide the Letter and XXXX  XXXX XXXX decided to take their verbal amount to make the loan agreement.
Consumer complaint received 2024-09-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (UT)

I was in arrears on my mortgage payments. I brought the payments current on XX/XX/year>. However, I keep receiving collection notices from the lender. I have received no fewer than four phone calls from the lender demanding payment, and I have found collection notices taped to my front door no less than three times after the above date. On each occasion, I have called the lender to try to stop the harassment. Because my payments were in arrears, I have been told that they arranged for a series of collection notices to be sent to me. They also say that they will discontinue the notices only as it is convenient for them. 

Here is the information : Lender : Flagstar Bank Loan Number : XXXX I am attaching a copy of the most recent loan collection notice that was placed on my friend door on XX/XX/year>.
Consumer complaint received 2024-09-12
Product: Credit reporting 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. 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 antedatesvthe report by more than several 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I have tried correcting this issue but my balance is continuously being reported incorrectly. On XXXX  there was an update which says {$100000.00} which is not my balance. It previously said {$76000.00} which i have been trying to correct. Some of my loans has been discharged. The balances on both Nelnet as well as studentaid.gov says {$30000.00}. This needs to be corrected.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would appreciate notification of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (CA)

XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and XXXX XXXX XXXX. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 



1. XXXX - XXXX XXXX. XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (IL)

My HELOC loan was transferred to Shellpoint from Specialized Loan Servicing. 
I called the company to find out why I was not receiving a monthly statement after the transfer. I received one statement in XXXX. I did not receive a statement for XXXX. I am not on paperless billing. I use the statements to properly manage my budget. 

My minimum payment with Specialized Loan Servicing was {$100.00}. 
I looked at Shellpoint 's website online, that showed a monthly payment of {$68.00}, and no payment due for XXXX. I am trying to pay off this loan making extra payments to principle. 

There should be no reason for them to not send me a monthly statement. I believe it is required by law. There should also be no reason for them adjust the minimum payment just to stretch-out and to extend this loan.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Dispute of Accounts Due to Data Breach Request for Deletion Under 15 U.S.C. 1681 To Whom It May Concern : My name is XXXX XXXX, and I am writing to formally dispute certain accounts on my credit report, as these accounts were created as a result of my personal information being exposed during a data breach. My information was compromised and is now being used fraudulently. As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I am requesting the immediate removal of the following accounts from 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 XXXXXXXX ( Closed ) These accounts were not authorized by me and were affected due to the breach of my personal data, which I have learned is now available on the dark web. I request that you investigate these accounts and take immediate action to remove them from my credit report as they are not legitimate. 

Please confirm receipt of this dispute and inform me when the accounts have been deleted. I have also filed reports with the Federal Trade Commission ( FTC ) and relevant authorities concerning the breach of my data. 

Thank you for your prompt attention to this matter. Should you need further information, do not hesitate to contact me at the details above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$4300.00} DEPTEDXXXX XXXXXXXX Balance : {$7600.00} US DEPT ED XXXX XXXX : {$5800.00} US DEPT ED XXXX XXXX : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-27
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.