davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have a previous complaint with XXXX XXXX  because when I got my Credit Utilization to 30 % on my XXXX card I received a letter from them stating they were lowering my Credit Limit. It dropped my Credit Score almost XXXX points because it then showed my utilization 98 %. The response from XXXX in my complaint is they randomly pull credit scores and adjust limits when they pull credit. 

XXXX XXXX I received a letter from XXXX XXXX  for XXXX XXXX XXXX  XXXX XXXX XXXX. I recently paid it down to 30 %. My balance on the card was {$620.00} and my limit was {$1700.00}. My letter on XX/XX/XXXX stated they were lowering my limit to {$650.00}, which again puts my credit utilization back up to 98 %, my score dropped XXXX points. The letter stated the same exact thing, a review of my credit caused my limit to be lowered. Well, I monitor my credit. On the day I got my card in XX/XX/year>, my credit score was LOWER than it was on XX/XX/year> AND my XXXX  was HIGHER. I have it all printed out. I also have the approval sent to me when I received my card. So how do they explain it NOW? 

I also PAID OFF THE CARD and have requested them to report to my credit the XXXX balance and the have refused. I disputed it on my credit reports with verification that it has a XXXX balance and I received my dispute back saying the information is correct and will stay on my credit. 

This is unfair credit practice and I am currently seeking out a fair credit attorney.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

After having my mortgage at SPS XXXX for 5 Years this company has adopted a new accounting system for Escrow Impound Accounts. Last Year I received my annual accounting statement saying that My Homeowners Insurance went up ( I can not remember how much but it was just a couple hundred dollars or so ). I went ahead and paid that shortage in full to keep my monthly payment from going up. Attached you will find the letter from SPS stating they received the payment and that the account was balanced. This year ( see attached ) they are telling me I am Short {$1700.00}? In reviewing their accounting it is clear my property taxes and insurance went up a combined amount of {$290.00} of which I will pay no question BUT {$1700.00}? When I called to ask why suddenly it's so much after not having any issue for years they told me to see the accounting which I do not agree with. I am off {$290.00} Not {$1700.00} This company needs to be investigated and Fined Millions of dollars. I believe SPS has miss handled my escrow impound funds and now wants me to replenish the account. To have my escrow account balance and in order last year and now short {$1700.00}? NO WAY. This company is Ripping People Off. Please help me.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-30
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. (FL)

XXXX, XXXX AND XXXX FAILED TO PROPERLY PROCESS MY DISPUTE ON THESE ACCOUNTS. 
XXXX XXXX HAS FALSELY REPORTED XXXX ACCOUNTS ON MY XXXX, XXXX AND XXXX CREDIT REPORT WITHOUT PROPERLY NOTIFYING ME AT THE CORRECT ADDRESS OR WITHOUT PROPERLY GIVING ME DEBT VALIDATION. I SENT A TOTAL OF XXXX LETTERS WITHIN A TOTAL OF 3 MONTHS BACK-TO-BACK AND TO NO AVAIL NO RESPONSE BACK TO ME. MY FDCPA AND FCRA RIGHTS HAVE BEEN VIOLATED AND I WANT THESE ACCOUNTS DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX DELETE FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX DELETE FROM MY CREDIT REPORT.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

I am writing to formally lodge a complaint against LexisNexis Risk Solutions concerning the inaccurate reporting of a bankruptcy on my credit report. This erroneous information has significantly impacted my creditworthiness and has caused considerable distress and inconvenience. 

I recently obtained my credit report from LexisNexis Risk Solutions, which erroneously included a U.S. Bankruptcy Court item. As per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if a credit reporting agency can not validate the information with the original creditor, they must remove said information from the consumer credit file. 

In correspondence with the U.S. Bankruptcy Court, I have been informed that they do not provide information to credit reporting agencies, nor do they validate or confirm public records. The court emphasized that they are not responsible for the collection, validation, or dissemination of public record information by third-party providers like LexisNexis. 

Despite this, LexisNexis has not verified this public record entry on my credit report. The Bankruptcy Court has confirmed that LexisNexis has never validated or verified this public record, and they do not provide any information for credit reporting purposes. As such, the inclusion of this erroneous information on my credit report constitutes a violation of the FCRA. 

I have formally requested that LexisNexis provide me with copies of all documentation associated with this public record, including any court orders or authorizations bearing my signature. I have also demanded the immediate removal of this incorrect public record information from my credit report. To date, LexisNexis has not complied with my request. 

Given the apparent violation of the FCRA and the severe impact this inaccurate information has had on my credit report, I am seeking the intervention of the Consumer Financial Protection Bureau to resolve this issue. I request the CFPB to : 1. Investigate LexisNexis Risk Solutions ' practices in handling and verifying public record information. 

2. Ensure the immediate deletion of the incorrect bankruptcy information from my credit report. 

3. Implement measures to prevent such inaccuracies in the future. 

I have enclosed copies of my correspondence with LexisNexis Risk Solutions and the U.S. Bankruptcy Court for your review. I trust that the CFPB will take appropriate action to address this matter promptly. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services (AZ)

I borrowed $ XXXX in XXXX for a XXXX XXXX XXXX XXXX. The term of loan was 48 months. The APR was 30.98 %. Arizona state law limits all auto loans over $ XXXX to be up to 10 % APR. 

For almost six years ( 72 months ) I've been paying $ XXXXmonth, which is well beyond the principle loan amount for a car that doesn't run. 

Presently, I've paid around {$15000.00} for a {$5000.00} car ; not including the full coverage car insurance ( $ XXXX. XXXX. Even with the 30.98 % APR the loan was supposed to be around {$10000.00}. I have paid triple this amount beyond the scope of law.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 information requested from the list of acceptable its 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 2024-07-12
Product: Credit reporting 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)

This company has violated my right to privacy, provided my private, nonpublic personal information to third parties, never conspicuously disclosed to me the consumer that my information would be shared, never conspicuously disclosed to me that i have the right and ability to opt out, never got permissible purpose nor my written or expressed instruction to furnish my consumer report in the first place. 
These are violations of 15 USC 1681 : Your company failed to obtain my permissible purpose or written instruction before furnishing my consumer report.

15 USC 6802-6805 : You violated my right to privacy by providing my non-public personal information to third parties without my conspicuous disclosure and opportunity to opt-out.

16 CFR 313 : You failed to conspicuously disclose to me that my information would be shared with third parties.

12 CFR 1016.7 : You failed to inform me of my right to opt-out of such information sharing. 
The Privacy Act of 1974 : Disclosing my personal information without my consent. 

This has caused so much damage and difficulty on my consumer report, financial reputation, my mental/emotional well being, my privacy, my family 's privacy safety and well being. 

Per the fcra, and the above laws, as a federally protected consumer, i am now opting out of any and all authorization i the consumer, may have given you, written, unwritten, verbal, nonverbal, or otherwise communicated.
Consumer complaint received 2024-07-31
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. (AZ)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX.15  U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX  XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

XXXX XXXX is reporting on my consumer report at XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (SC)

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc. (NY)

In XX/XX/XXXX, I complained to my mortgage servicer about not knowing who actually owned my mortgage and about {$5200.00} ( XXXX legal fees XXXX XXXXXXXX inspection fee ) added to my mortgage balance. They finally provided information on who owned my loan, Mr. Copper. When I demanded details about the {$5200.00}, the amount was removed from my monthly statement, but may still added on to my loan balance. Second issue, my mortgage has always been an adjustable. I was informed by Rushmore, I believe in XXXX, the XXXX XXXX  was no longer used. They are using XXXX XXXX and my rate went from 5.125 % to 6 % to 8 %. I've had the mortgage since XXXX, my payments should be getting smaller not bigger. I never agreed to these terms. They bought my mortgage. According to Rushmore, the ceiling for the interest rate is about 12 %. Starting next month my payment increasing by {$30.00}. It never stops with this company.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Credit report is stating inaccurate. Account status reports as Open with XXXX while Closed by Experian and XXXX. Stating a pass due balance and consecutive Charge off as if it was some sort of payment method with missing date account was closed. There is no way that account is Open with one bureau but yet Closed with other two bureaus. Definitely account can not be stating a pass due with consecutive charge off on a dead account. I have not received a notice of sale up to this date. Account is definitely not following accurate protocols and I have the right to an accurate credit report.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CITIBANK , N.A . XXXX
Consumer complaint received 2024-07-17
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: JPMORGAN CHASE & CO. (FL)

JP MCB card placed an inquiry on my credit XX/XX/year>. Im not sure what this company is, and I did not grant them permission to run my credit. I would like to have this removed from my credit as it showing as a hard inquiry.
Consumer complaint received 2023-09-30
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. (VA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XXXX XXXX XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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  {$0.00} XXXX XXXX  XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX  XXXX XXXX XXXX  {$400.00} XXXX XXXX  XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recieved a call from a person that identified themselves as calling from Consumer Financial Protection Burueau on Saturday, XX/XX/XXXX at XXXX XXXX  Central Time. I was informed that someone was attempting to open a credit card account wtih my information at a XXXX XXXX XXXX in Pennsylvania. I was given a reference number of XXXX. I am in Texas and not in Pennsylvania. The caller gave me my birthdate and social security number over the phone and told me he could freeze the application and would put a freeze on all of my credit cards. I am not sure that this person is actually from CFPB. We had a foriegn accent and became agitated on the phone when I told him I would contact XXXX to check my accounts. Would this be someone from your agency that would be calling me XXXX days in a row about different cards? He has called to tell me I had a problem with a XXXX XXXX, Capital One, and XXXX  XXXX XXXX in addition to XXXX XXXX. He also had information regarding my vehicle and home loans.
Consumer complaint received 2024-09-14
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. (IL)

I am unable to request for my free reports online and unfreeze/freeze my credit myself. I will always get the need to contact customer service screen and it takes hours to get connected and the automated answering machine does not recognize me. It should not be such a barrier to get my own data. 

I attempted this XXXX XXXX XXXX XXXXXX/XX/XXXX