davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This formal complaint is against TransUnion. I have disputed with TransUnion a few times regarding the inaccuracy of late payments being reported on my consumer credit report. Multiple dispute letters were mailed to TransUnion, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after TranUnion 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting. 

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( Capital One or Global Lending Services ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

TransUnion ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, TransUnion has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausXXXX, Experian, and XXXXregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


3. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation.

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference.

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-02
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. (NJ)

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

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

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2023-10-20
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)

Ive submitted this complaint several times CFPB, XXXX & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) XXXX & EXPERIAN with FTC Fraudulent report support my position. It seems XXXX & EXPERIAN is violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (NH)

On XX/XX/2023 XXXX  was added to my account, without notice and I was assualted and detained by NSA officers ( irrationally ) in XXXX - XX/XX/2023. I started receiving late payment charges on XX/XX/2023. A check was returned to the issuing bank when depositing money into my PenFed XXXX XXXX ( XXXX ) account on XX/XX/2023. The check cleared when I made the mobile deposit on XX/XX/2023. I made another deposit on XX/XX/2023, and the funds are reflected as available ( except when I try to make a car loan payment ).
Consumer complaint received 2023-08-01
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. (IL)

The company XXXX XXXX XXXX has submitted a false collection against me, I am a current XXXX XXXX XXXX customer. It was submitted to a Collection Agency by the name of XXXX XXXX XXXX. I have a current balance of {$0.00} with XXXX XXXX XXXX. If there was a balance owed XXXX XXXX XXXX has the ability to add any payments to my current account or contact me by email, phone, invoice by letter to the service address on file or through the online portal attached to the current service account I have with XXXX XXXX XXXX. Experian hasn't done the proper investigation into this false collection, all while sending alerts concerning misuse of my personal details on the Dark Wed.
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

my car was XXXX at the end of XXXX when I was out of town on a vacation fell behind after XXXX paid {$3000.00} what I know at the time was way more then I owed my payment are {$540.00} but before my car was XXXX and before I fell behind I was never late. citizen auto loan put my car on a chargeoff status making that I have to call in my payments now there are missing payments on there end and now they saying Im XXXX behind and im not I spoken to some at the begining of XXXX I was around {$1700.00} behind made a payment of {$540.00} bringing it down and was told then I would owe {$1100.00} I spoken to a lady and told her I will be making another call in payment of {$540.00} on XX/XX/XXXX on XX/XX/XXXX they tried to take out that payment causing it to bounce I called on the XXXX to try to make that payment and rudely told I was XXXX behind owing {$2700.00} and that I was missed inform as I went back in my payment history with them im not im only XXXX they received payments on XX/XX/XXXX of {$3000.00} to get the car back missed XXXX XXXX was XXXX payment of {$220.00}, {$130.00}, {$220.00} {$100.00} XX/XX/XXXX made a payment of {$220.00} XX/XX/XXXX made a full pay and on the XXXX they refused the of {$540.00} saying I had to pay {$2700.00} to keep my car. ever since I had my car repo I don't get a email of posted payments I only owe {$1100.00} with a 10 day grace period to clear up. told them ill pay every XXXX weeks.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX Experian RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} On ( 4-20-23 ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( 5-10-23 ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

INQUIRY REMOVE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED ACCOUNTS REMOVED BELOW XXXX ACOUNT NUMBER : XXXX
Consumer complaint received 2023-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Service Bureau, Inc. (KS)

I want to file a complaint concerning billing practices. During my eye exam in XX/XX/XXXX, I was quoted {$150.00}, but the billed amount was {$310.00}, creating a significant discrepancy. I have repeatedly requested a detailed itemized bill but have not received any response. 

Additionally, in XX/XX/XXXX, I received a debt collection notice from Midwest Service Bureau regarding the unresolved bill. I immediately informed them about the billing issue and sent a debt validation letter in XX/XX/XXXX and asked for an itemized bill, but they haven't provided one. 

I kindly request your assistance in resolving this matter and ensuring I receive the detailed itemized bill. Your prompt attention to this issue would be greatly appreciated.
Consumer complaint received 2023-10-02
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2018-06-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (PA)

I was selling my property in XXXX and was supposed to have the closing on XX/XX/XXXX. Yesterday the buyer informed that he is walking away. There was an issue with appraisal where the appraiser selected wrong properties as comparibles, didnt do the adjustments properly and had arithmetic errors all resulting in an deflated value. That appraiser had 4 recent ethical violations on his record. The lender for the buyer was told to use last appraisal from XX/XX/2017 from prior deal that fell through, but since it was an FHA loan ( so is this ) they can use the same appraisal for up to 6 months. That XXXX appraisal done by another appraiser, was correct and free of errors with an appraised value of much, much higher than the one with errors. 
Now, the lender took no action, the buyer is annoyed, unwilling to go to another lender and is walking away. We all here understand the issue with the appraisal and the appraiser. 
Can we bring legal action against the lender - XXXX ( originating mortgages for XXXX XXXX XXXX ) for failing to abide to rules and regulations of FHA financing and failing to use the XXXX appraisal? They should know the rules that in FHA loan an appraisal stays with the house for 6 months regardless of the lender. It's obvious and clear on the appraisal they got from the latest appraiser that the adjustments are not done correctly, there are simple math errors, not to mention selecting wrong comparibles while right ones were available. The lender admits there are errors, sent it back to the same appraiser for corrections, but 2 weeks later no corrections were done and the same exact appraisal was sent back. The lender is not taking appropriate actions. 
Because of this lender I will lose the deal and money, and I already sold most of my furniture to have the house ready for closing in a week. 

Thank you!
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX XXXX I received an injury while at work. for over 16 months I was off work I was able to receive my full salary for 12 of the 16 months once that stopped I started to receive Workman comp. which was far less than what I was making. I then started to fall behind in house notes. On XXXX XXXX XXXX I received a XXXX retirement from my employer as a full time XXXX on a XXXX XXXX Retirement Benefit, with a monthly allowance of XXXX % of what I was making. because of this hardship no fault my own I can no longer make my monthly house note as what they are now. I have been going back and forth with my mortgage lender Nationstar Mortgage LLC. They ( Nationstar Mortgage ) has wilfully failed in its obligation, under HAMP, in assisting me to receive a Home Affordable Loan Modification by purposely using deceitful methods, inaccurate salary numbers, false credit reports practices to deny my request for a HAMP loan.I appealed this unfair denial with Nationstar Mortgage LLC and they used these same deceitful practices to approve a HAMP loan that I still can not afford to make on my XXXX allowance. My XXXX allowance is XXXX % of what I was making before I got injured it is non-taxable. NationStar states that all non-taxable income under HAMP is grossed up to XXXX %, not XXXX % which is the standard, to a total gross income in the amount of {$4600.00}, my monthly XXXX allowance is {$3600.00} a difference of {$920.00} that I am not making and Nationstar Mortgage LLC then based my monthly house note on this false income and expect for me to be able to afford the new payments. If I applied for a loan with Natiostar Mortgage and used the income of XXXX a month and when it came time for them to do income verification and I submitted pay stubs with my real salary of {$3600.00} they would deny my loan based on false income. They would not just let me gross up my income because they know that I would not be able to pay them on money I am not making. But they expect for me to be able to pay them on money that I am not making? Nationstar Mortgage LLC has also flat out wrong financial debt that they said I have in the amount of over {$4000.00} a month which is a Lie. I have submitted to them at least 3 times with proof that my outgoing monthly obligations is about {$1300.00} to {$1400.00} a month. They failed to address this despicable practice. Natiostar Mortgage for what ever reason is not helping me but instead seems to be going out f there way to conduct another fraudulent foreclosure which they are being investigated for.
Consumer complaint received 2023-08-01
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 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 furnish 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 any purpose.
Consumer complaint received 2023-10-02
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. (AL)

Dear cfpb can you please have equifax & XXXX  to provide me with written documentation of how they verified XXXXXXXX XXXX XXXX on my credit profile Ive already called numerous of times and sent letters if they can not provide me with this information please have them to remove this account from my credit profile.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-02
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. (GA)

I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These erroneous entries are having a detrimental impact on my financial well-being, and I urgently request your immediate assistance in resolving this matter. 

I first discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 
I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. I was informed that an investigation was ongoing. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter, reiterating my concerns and the urgency of resolving this matter swiftly. 

I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The ongoing presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a comprehensive investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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