davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (DE)

I disputed the validity of the alleged debt. I also requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 

Account : AR RESOURCES INC : Account No : XXXX Amount : {$720.00} I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete.
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: EQUIFAX, INC. (LA)

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

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : 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 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 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My husband and I are currently purchasing a home and our loan officer mentioned that my credit report through TransUnion was frozen. I proceeded to make an account online and unfreeze my credit report. However, our loan officer said it was still frozen. Later I contacted TransUnion on XX/XX/year> through a phone call to see why my credit report was frozen. They notified me that my credit report was suppressed for some unknown reason and requested personal identifiable information such as my social security number, my address, a copy of my driver 's license, and a signed letter requesting my suppression to be lifted. I mailed these documents in on XX/XX/year> and waited for a response. On XX/XX/year> I received mail from TransUnion requesting the same documentation again however, the letter was regarding me requesting a credit report, which is not what I sent the letter for. The same day I called TransUnion to clarify what this letter meant. My call was then escalated to the supervisor who was extremely rude and uncooperative. He just kept repeating that I needed to send in this documentation again and that there was no record of them receiving my information when they clearly must have since they sent a response in regards to my original letter. After my husband spoke to the supervisor and asked to speak to someone else, he just kept repeating that he would escalate it to his supervisor who would give us a call back in 3 business days. After my husband said that this was not acceptable that they were not keeping track of my sensitive information, he just hung up on us. We waited an hour to get this phone call. We are due to close on our new home in exactly a month ( XX/XX/year> ) and the fact we had to wait over 2 weeks for a response the first time is unacceptable, let alone the fact that they are not keeping track of sensitive customer data after asking for it. Under the Fair Credit Reporting Act, " The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ''. It is clear that TransUnion is not protecting my information and is not giving me the customer service and fair credit reporting that I need and I am preparing to sue the bureau for negligence if my home offer falls through due to my credit report being held up.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

XXXX is a form of government where XXXX  walked around with XXXX  ahead of the consul. The consul had the authority to behead anyone for any reason. He did not have to engage with them in discourse. Installing a XXXX  government, and deprecating the office of the XXXX of the United States is treason, and was paid for with this bankruptcy fraud. 

Unlock my account, NOW!
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

Payments take long to process, my issue is I will submit a payment on a Wednesday or thursday, and it won't process and even leave my bank account until a week later on wednesday or thursday. 

Monday i already feel like It should be processed and have daily expenses, bills, etc. Sometimes I move my funds around accounts as I do different businesses and they have different needs and the payment won't go through as I was short like {$50.00} or something tiny. What bothers me is how long it takes to process, and It affects every other bill as they all have different due dates. The worst thing about it is once I had no idea from a payment on the XXXX until around the XXXX close to the XXXX so I had to make double payments by the XXXX as It took them so long to even find out it never went in and messed me up, and charged me a late fee. If i would have known on the XXXX, or XXXX I would have been okay. 

The XXXX is when they charge late fees and they never inform if it doesn't process and take forever to accept money. Why is it so hard to take my money from my bank? Absolutely ridiculous. I went past 30 days by 1 day because of this, and I hope it doesn't affect my credit.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I created an account with TransUnion on Saturday, since my information was released on the dark web along with many others. 

I entered information to freeze my credit. The other XXXX credit agencies put a credit freeze on my account and provided me confirmation. TransUnion, has not. I have looked online and talked to them, but no one has been providing information. This is the message I got. 

Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX - XXXXXXXX XXXX and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX Eastern Time. 

This has been the same message as Saturday. XX/XX/year>. 

I talked with their agent. They asked me to fill out a form, same form I did on Saturday, resubmitted since I was on line live with them. Then they went silent not confirming anything. 

Their chat feature keeps saying sorry they are talking long, they will be with me shortly, etc. After I filled out their form, while I was talking to them their response was " Thank you for your patience. Due to higher than normal call volume, please be advised our wait times are longer than usual. For faster service, please explore our many self-service options online. 

To place a fraud alert : https : //www.transunion.com/fraud-alerts To place a security freeze : https : //www.transunion.com/credit-freeze To open a dispute : https : //www.transunion.com/credit-disputes/dispute-your-credit '' Seems like TransUnion should provide quick response to my request, or if they aren't active, the government should eliminate them. The other XXXX credit bureaus were responsible, but this company is not and risks creating fraud worse. 

What do I do, how do you get this company to fix their issues and provide confirmation. Are they responsible now if someone tries to apply for credit?
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TN)

I am filing this complaint against XXXX XXXX XXXX XXXX their inaccurate and misleading reporting of information to the credit reporting agencies. Specifically, XXXX XXXX XXXX  has reported my account as " charged off '' with a written-off amount of {$150.00}. I believe this information is erroneous and does not accurately reflect my payment history or the current status of the account. 

Details of the Dispute : Inaccurate Reporting : XXXX XXXX XXXX  has reported my account as " charged off, '' which does not accurately reflect my payment history or the current status of the account. This has caused significant harm to my credit profile and score. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, XXXX XXXX XXXX  is required to ensure that the information they report to the credit bureaus is accurate and complete. Their failure to report accurate information constitutes a violation of federal law and has led to unnecessary damage to my creditworthiness. 

Failure to Address Dispute : Despite my attempts to resolve this issue directly with XXXX XXXX XXXX  XXXX they have failed to correct the inaccurate information or provide a satisfactory explanation. Their lack of response and inaction have exacerbated the harm to my credit profile. 

Requested Resolution : I request that the CFPB take the following actions : Initiate an Investigation : Conduct a thorough investigation into Self Financial/Lead Banks credit reporting practices to ensure compliance with the FCRA. 

Correct the Inaccuracies : Require XXXX XXXX XXXX  to correct the inaccurate information on my credit report and update all XXXX  major credit reporting agencies accordingly. 

Ensure Compliance : Monitor XXXX XXXX XXXX  to ensure they comply with the FCRA and prevent similar issues from occurring in the future. 

Supporting Documents : I have attached a copy of my dispute letter to XXXX XXXX XXXX  XXXX as well as my credit report showing the disputed account information. 

Conclusion : XXXX XXXX XXXX  actions have caused significant financial and emotional distress. I seek the CFPBs assistance in rectifying this situation and holding XXXX XXXX XXXX  accountable for their failure to comply with federal credit reporting laws. 

Thank you for your attention to this matter.
Consumer complaint received 2022-12-04
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 XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX 's XXXX have 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 an 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 2024-08-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CVB FINANCIAL CORP. (CA)

Demand the refund in the amount of {$780.00} for the " appraisal fee review '' that charged us in advance ( even before they order the appraisal report from the third party ) from Citizen Business Bank, XXXX  CA branch. 
Due to Citizen Business Bank 's deceptive and unfair lending practice, we forced ourselves to find another Bank to complete our loan refinancing process. The appraisal report ( we paid for more than {$3500.00} ) had been transferred to other Bank whom only charged us ( appraisal review fee of {$700.00} ) at the loan escrow closing date ( not in advance ).

In fact, Citizen Business Bank did do anything after receiving our appraisal report from 3rd party except demanding us to pay more than XXXX for other reports that no other Banks, that we contact, required for our loan refinancing process. They said they could not process our loan refinance until we send the above fund ( more than XXXX ) which we disagreed. These local ( XXXX, CA ) XXXX suggested that if we do not want to send them additional fee as requested, we could find another XXXX, which we did and were able to complete our loan refinance. This shows the fact that they have never attempted to process our loan before receiving the additional fund from us. Therefore, Citizen business bank has no reason to keep our " appraisal review fee '' They must refund us immediately.

There are so may bad reviews and complaints about this Bank since they took over XXXXXXXX XXXX ( our original Bank that we had the loans with ). Please review. 
By contacting other Banks, we found out that we are victims of Citizen Business Bank 's deceptive and unfair practice lending. They charged customers as much as they can, their statement : " this is Federal 's regulation ''. This Bank must be investigated thoroughly by Federal.
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company (PA)

I XXXX  received a phone call that I could not take on my cell phone because I was at work. In the meantime they contacted my parents, not sure how they got the number because I have nothing that ties me to them for XXXX  years. My XXXX  call was on XX/XX/year> at XXXX XXXX  that I declined due to being at work. Then I get a message from my parents that this gentlemen called them asking how to get a hold of me. They said they would get in touch with me and I would call him back. I did during my lunch time at XXXX XXXX  on XX/XX/year>. Finding out he was trying to collect for a medical bill in the amount of {$910.00} said was in collections. I proceeded to ask about why and how he came about to call my parents. He advised he was trying to get in touch with me and he will use whatever means. I advised not to call my XXXX XXXX XXXX father again and he stated now that he talked to me he would not do that again. Today XX/XX/year>, I again could not answer my phone at XXXX XXXX  due to working, he immediately contact my parents again. I didn't even know at that time due to calling him back at my break at XXXX XXXX  on XX/XX/year> to advise of my record showing payment. He said how to update my records. I then get a message from my parents he called again. I called back to this gentleman at XXXX XXXX  advising I was going to log a complaint.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As a tax payer, I appreciate the services the CFPB provides through XXXX and XXXX - without the requirement that I pay these organizations for the basic services- including freezing, or unfreezing my accounts with each organization. Consumers are currently burdoned with a major data breach and advised to freeze their reports. Your third organization ( Trans Union ) also offers to freeze my credit information, but first requires payment of a charge to create an account. The Trans Union web site is tricky. While it claims it will freeze my account for " free '', it only permite setting up an account and subsequently freezing it, if I pay a fee. My complaint is that as a Government organization created to help protect my financial well being, I should not have pay for the " service. '' In addition, if I do not pay the Trans Union, the organization will provide to other parties the information I have been advised to freeze, and thereby place me in a potential situation that could destroy my financial position. Isn't the avoidance of that situation the reason the CFPB was created in the first place?
Consumer complaint received 2024-08-20
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: Self Financial Inc. (CO)

Self lending from XXXX TX discriminating agency directly bullied me via email and phone. I opened self visa credit card and due to fraud and unauthorized transactions I refused to make payments because I have XXXX liability for fraud charges, bank failed to investigate fraudulent transactions in a timely manner therefore its unlawful for them to report falsely as a charge off, they also stole {$710.00} from me to cover for fraudulent transactions
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (DC)

On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. - XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX SERVICES -XXXX XXXXXXXX SERVICES, XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (NY)

After multiple requests to investigate this account, it is evident that both XXXX and Aldous and Associates have violated my consumer rights. I previously submitted a complaint to the CFPB but have yet to receive a response from either the collection agency or XXXX. Under 15 USC 1681e ( b ), you are legally required to ensure maximum accuracy in your reports. The information provided by XXXX XXXX ( account number XXXX ) is clearly inaccurate according to the Fair Credit Reporting Act. Therefore, I am formally requesting the immediate deletion of this account due to your failure to comply with 15 USC 1681e ( b ). Enclosed is the response from the original creditor, which highlights the discrepancies in my report. 

Please address this matter promptly.
Consumer complaint received 2024-08-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC (AL)

I did not qualify for the loans, and they do do not give my earnest money back.

Like they have told me, if I do not qualify they will give back my earnest money.

But when I didnt not qualify, I asked for the earnest money back, they do not want to give it back.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX apt XXXX XXXX FL XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FD

CPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentatio
n showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state you
r permissible purpose for accessing my credit information. I disp

ute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this deb
t to another collector, please