davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MortgagePros, LLC (CA)

On XX/XX/XXXX, I sent an email to MortgagePros, requesting the termination of my loan application and the transfer of all my documents and information, including the copy of the appraisal transfer letter and the original appraisal, to my new mortgage lender. Despite this request, MortgagePros has been unresponsive and refuses to comply.
Consumer complaint received 2024-07-27
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: ENCORE CAPITAL GROUP INC. (TX)

I am writing to file a formal dispute against XXXX for failing to properly investigate and validate my disputes regarding inaccurate information on my credit reports. Despite my written requests for validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, Midland Credit Management did not provide the necessary documentation. Furthermore, XXXX, XXXX, and XXXX have continued to report these unvalidated accounts, causing significant harm to my credit score and financial standing. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take appropriate action to ensure that my rights are protected, and the inaccuracies are corrected.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JEFFERSON CAPITAL SYSTEM is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JEFFERSON CAPITAL SYSTEM the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, JEFFERSON CAPITAL SYSTEM whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JEFFERSON CAPITAL SYSTEM Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio recovery keeps harassing me. I've told them.to.stop calling often.when.i do.answer they don't say anything and just hang up. When I block them they call from many numbers. I've told them 3 times stop calling.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP. (NY)

I have purchased a vehicle they inspected the vehicle. No Im good and well that it wasnt gon na pass inspection. Oh, I went to go see what was the issue of the call because I let them know that the XXXX XXXX was XXXX and something was wrong with the XXXX They told me that there was nothing wrong with the engine. The engine is fine, and a couple weeks down the line The car stopped and it wouldnt start anymore so I sent it back to the bank Home like XXXX or XXXX months that line is XXXX paperback talk about this is what they sold. The car for this is how much I owe back, but I tried to take them to court about this vehicle because they let the dealership sell me a XXXX, and I didnt even have the car for a whole year when all these problems paper stating that they tried to take me to court I just got a letter in the mail from my job took my I have a garnishment from them and everything
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 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. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (TX)

This was a credit card attached to a " credit building '' account but was separate. I paid into the " credit Building '' account and paid the credit card on time. Eventually the " credit builder '' was paid to the full amount, and I requested the money. They informed me that because I had a {$400.00} balance on the credit card it was their policy to withhold money they owed me until the credit card ( which had a XXXX dollar limit ) was paid in full. At the time I had an urgent need for my money, but they would not release it. I told them that our relationship was severed, that they could pay the credit card from funds in my " credit builder '' and return the balance to me, which they did in 60 days. Since then they have consistently reported a late payment on the credit card, and it has negatively effect my credit report, even though both account appear as " paid in full, XXXX balance ''. How can they do this? It has created a hardship and adversely affected me when I need to use my credit history to secure other types of loan, including my ability to get a car loan.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc. (TX)

On XX/XX/year> at XXXX an email was received that Self Credit Builder Account was going to be closed without providing any reasons. Furthermore, I as the consumer have already invested {$2200.00} into a " Credit Builder account '' with a {$300.00} deposit for a " Self-Credit Card '' with a {$2000.00} limit. 
On XX/XX/year> I had lost my wallet and reported the card as lost to Self-Credit Builder both by email and phone call. I had to send bank statements verifying my identity and copies of my driver 's license that was now lost, fortunately I had already scanned copies of the driver 's license. 
On a subsequent phone call, the representative assured me that they are sending a new replacement " Self Credit Card ''. 
Now on a XXXX XXXX XXXX XXXX they are closing my account? Only providing a window of time to respond of less than 3 hours? 
Now, on XX/XX/year> I contacted Self Credit Builder on the phone and I am informed that the account was closed without providing the reasons. I did receive a email asking if I wanted to keep the account open so, I responded. It appears that they already have began closing the account without my authorization. 
Now, this company is refusing to refund me {$2200.00} in a timely manner. 
THIS COMPANY IS A SCAM.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I read about the data breach of XXXX accounts at a background check company. Therefore I immediately tried to Freeze my credit reports so that no one can abuse my credit through identity theft or other means. 

- XXXX credit freeze worked. 

- XXXX made me create an account but asking me to access my credit report rather than Freeze my credit as I was requesting. Then the website asked me to call them - and when I called, the phone XXXX asked me to go back to the website. 

- Trans Union was similar. Online Freeze led me to create an account but did not Freeze my credit. 

- It seems XXXX and XXXX systems are not updated to protect consumers and they are giving us a run around. 

Please help.
Consumer complaint received 2024-09-04
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-09-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (CA)

I have been a member of XXXX ( Wise ) for years. I have transfered anywhere between USD {$1000.00} to USD {$50000.00}. I have never had any issues. Last week I transferred less than {$35.00} USD to a XXXX  in XXXX who needed the money to buy a vaccine for my father. Wise put that transaction on hold and because it was an emergency so I used another service to transfer money and money was sent successfully. 
I then contacted Wise customer support team and told them to cancel the transaction because I have already sent the money using another service. And the customer care rep told me to reply to their email saying please cancel the transaction and so I did that. Few days later I got an email saying that my account would be suspended on XX/XX/XXXX and I still dont know what customer agreement I have broken. I have appealed the process to keep my account and its been over a week now and I havent heard anything from Wise. Today I contacted Wise customer care team again and they said they didnt receive any emails from me which is clearly a lie.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 U.S.C 1681. 

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 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 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act. The list of all accounts below has violated my federally protected customer rights to privacy and confidentially. Under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX. 
Has violated my rights. 15 U.S.C 1681 section 602 A. States I had the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 In alpha state, a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1861c. ( a ) ( 5 ) Section States : Also States consumer reporting agency may make any consumer Report containing any of the violation. Any other adverse itemsof information, other than records of conviction of crime 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 calls to believe that the information is inaccurate.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute information that appears in my credit report. Specifically, I am disputing a charge entry for the following account XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XX/XX/year>XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports