davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (GA)

I have filed a complaint about my credit report with the company and asked for all information with a wet ink signature and contract. The party has not provided any information with their so-called investigation to provide this information. I have stated that information to be removed from the credit report to that following : According to 5 U.S. Code 552 ( a ), also known as the Privacy Act of 1974, it is unlawful for any federal, state, or local government agency to deny any individual any right, benefit, or privilege provided by law because such individual refuses to disclose their SSN unless disclosure is required by federal statute [ 1 ]. This provision underscores the importance of protecting individuals ' privacy and limiting the use of SSNs to prevent identity theft and other misuse.

1. 16 CFR 313.7 : Privacy of consumer financial information.

2. 12 CFR 433.2 and 12 CFR 433.3 : Preservation of consumers ' claims and defenses.

3. 17 CFR 724 : Protection of investors.

4. 20 USC 1232 ( g ) and 34 CFR 99 : Privacy of student education records.

5. 5 USC 552 ( a ) : Freedom of Information Act.

6. Public Law 73-10 : Abrogation of the gold clause in contracts.
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has Violated my rights 15 U.S.C. 1681 Section 602 A. States I Have the right to Privacy 15 U.S.C. 1681 Section 602 A Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2024-09-12
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2024-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report. 




XXXX  ( Finance ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

Creditor you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

20 15 USC 1637 ( b ) is very specific on all required information need or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX : XXXX XX/XX/XXXX- XX/XX/XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-09-12
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. (TX)

Notice to Agent is notice to principal notice to principal is notice to agent. 

On XX/XX/XXXX you received my dispute regarding some transactions and late payments that you and XXXX XXXX XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!!

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.The only way for you to validate a latepayment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate.We are requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b , and you have fraudulently verified an account without a reasonable procedure as required by law. 

Delete this incomplete and unverifiable accounts and transactions from my consumer reports : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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. (MI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

I am currently trying to open a credit line on my property with XXXX  XXXX XXXX. I paid Off my mortgage XX/XX/2019 with Arvest Central Mortgage. I am locked in the process with XXXX  XXXX XXXX because there is a A issue with the title. I seems Arvest took over the loan from XXXX XXXX XXXX XXXX and they have never released their lien. This is causing me Financial hardship since this credit line is to pay for probate for my father estate in XXXX XXXX. I have paid this loan off over four months ago and feel this is unacceptable to not have clear title by now. I have called .and been given the wrong forms from Arvest and currently been waiting for a week for a call back while they do their research. How can a company not have their documentation in order and release my title in a timely manner? This has to be illegal at the very least unethical either way it is costing me time and money while I wait.. I am sure this is just a larger issue waiting to appear once those loans come do they obviously do not have their documentation in order FRom XXXX  XXXX XXXX The document you sent in is an assignment of mortgage showing your mortgage was transferred to XXXX XXXX which was taken over by XXXX XXXX. Whoever had your mortgage at the time the mortgage balance was satisfied, would then have the release. The release would then be mailed to you and then it has to be taken down to the county and recorded. We need a copy of the recorded lien release from the bank that had your loan when it as satisfied which could possibly be like I mentioned above with XXXX XXXX. We do not have the release. Please let me know if you have any questions. Thank you in advance.
Consumer complaint received 2024-09-08
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc. (KY)

I am a victim of Identity theft. I have taken all proper proceedings to recover my identity, but the credit restoration team through Experian XXXX has failed to help me with anything I was told. I continue to receive more and more unknown information on my report, my score is worse than when I started receiving their services. I have asked for certain things to be blocked due to identity theft and also looked into them, but none have been done recently upon calling because I am so upset with the lack of help I have received I found out upon the call they had closed my account without notifying me or telling me anything! I am supposed to have a four-year free subscription due to the identity theft so why my account was closed, I have no idea! They did open it back up but I am still unable to get them to help which has resulted in me losing my vehicle and not being able to get a new one because of the fraudulent charges on my account that have ruined my credit score and much more. I am a single mom to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX so this has taken a toll on my life and caused me to lose and continue to lose everything because Im getting no help and more stuff just keeps showing up on my report. I filed all the reports and turned in all the identification they needed to help with my case so there should not be any issues. They falsely advertise and do not help recover anything. I cant even get my case worker to answer or call me back. What is insurance for if they help you lose everything not regain your identity? I wanted to avoid bankruptcy but Im losing everything because of these identity thieves and no one is helping me so I feel like Im at rock bottom failing my family from this.
Consumer complaint received 2024-09-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (AZ)

West lake financial has called me before XXXX on several occasions They have called numerous times in 1 day and I have received phone calls even after speaking to someone. 
The person I spoke to yesterday said they would note the account, the person today when I told her they can not call me repeatedly day after day with speaking to them she said that is not with in our contract. Calling me multiple times a day and making contact and calling again the next day is harassment and illegal. This is beyond harassment and nothing has changed from the day before to today. I have had open communication with the company and called them to voluntarily surrender my car.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Protection Bureau , I am writing to formally request an investigation into a matter involving Revolut, a financial services platform. On XX/XX/year>, Revolut made a decision to close my account without providing any clear justification, and as of today, my funds have not been returned. 

The issue originated when a series of chargebacks were made in error against transactions that I conducted with a friend, XXXX XXXX XXXX username : @ XXXX ), through the Revolut app. As evidenced in the attached conversation, XXXX confirmed that the chargebacks were mistakenly applied and that he initiated a dispute for something unrelated to my transactions. Despite this, Revolut has not rectified the issue. 

After contacting Revolut support, I was informed that the matter would be investigated. However, Revolut proceeded to close my account, and I am yet to receive a refund of my funds, which totals {$2500.00}.

I believe that Revolut 's actions are unjust, and I kindly request that the Consumer Protection Bureau investigate this matter. Attached to this letter are screenshots of my conversation with both XXXX and Revolut support for your reference. 

Thank you for your time and attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

XXXX XXXX,2024 {$5300.00} I called the company to see why I was getting sent to debt collection when I no longer own the vehicle. They said that I never released liability and now owe that money. They verified my personal information and said I am responsible for this payment but I can dispute if I send proof of release of liability. I asked them how can I obtained this information when I no longer own the vehicle and they said through the DVM. They said I could had never given the title to the vehicle so this could cause me not releasing liability when selling this vehicle. When I asked if this information was located online about being in debt collection the lady didnt know. I asked them since I called today that stop the collection since in the letter it says if I write or call before a certain date they will stop collecting, they said no that every day will be a continuous charge for the longer I take to pay off the debt.
Consumer complaint received 2024-08-26
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: Bread Financial Holdings, Inc. (AZ)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear CB/CAESARS, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003.

It has unequivocally come to my attention that CB/CAESARS has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CB/CAESARS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CB/CAESARS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CB/CAESARS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (PR)

On XX/XX/XXXX, I received a threatening letter from XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) concerning an old fraudulent situation that was already addressed and resolved in XXXX of XXXX by the Account Protection Team of Comenity Bank after a complaint presented by me years earlier in regards on an inactive account that presented fraudulent activity ( letter with the resolution and apologies provided with this claim ). 
For security reasons, I come directly to you at the Consumer Financial Protection Bureau instead of engaging in any type of communication with the senders.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

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

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.