davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (TX)

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.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (AZ)

I have had numerous unauthorized transactions totalling XXXX dollars. When I noticed them I immediately cancelled my card and began disputing the charges. Within 24 hours I was denied with no reason what do ever. I submitted proof that I was at work at those times of purchases and was still denied. I was denied 3 separate times on my disputes.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

URGENT ATTENTION CFPB BEFORE U SEND TO BUREAUS PLEASE READ! THESE ACCOUNTS WAS CHARGE OFF ON THE FOLLOWING DATE : XXXX XXXX SINCE THEN THE ACCOUNTS HAS REPEATEDLY BEEN UPDATED AS CHARGE OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGE OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THESE ACCOUNTS PROPERLY AFTER I ASKED YOU TO DO IT TWICE AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNTS : XXXX AND XXXX  XXXX I ATTACHED MY ID SS CARDS AND VERIFICATION OF ADDRESS
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-17
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRY : XXXX XX/XX/year>
Consumer complaint received 2024-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (LA)

I do not recognize this debt and have no record of signing any contract or agreement with CAINE & WEINER. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that they validation of this debt, including : Proof that I have a contractual obligation to pay the debt. 
A copy of the original signed contract or agreement. 
Documentation showing that CAINE & WEINER has the legal right to collect this debt. 
Please consider this letter as a formal dispute of the debt and a request for validation.
Consumer complaint received 2024-09-10
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. (FL)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

The entire process with AmeriHome/XXXX has been a complete nightmare which is coming from someone who works in the industry. Following the submission of my initial package, I was told that I had missing documents when I submitted everything as stated in the package. They asked for different documents than were required in the loss mitigation package stating that I was missing documents then they also asked for additional documentation that was not requested in the original ( for a {$200.00} annual HOA bill ). This lack of knowledge and understanding in regards to their package and what was needed pushed the entire process out for another 30+ days.I have also requested to speak with supervisors on numerous occasions who send the customers to voicemail and do not return phone calls. 

Furthermore, I was completely current until the modification trial period which lasted for 4 months and in all the entire process took over 8 months to have finalized and completed. There were also issues with my final documents that I had to point out to them as they were incorrect which then caused more delays in completing the modification. 

I was also charged an additional {$370.00} at the end of the modification which I paid in XXXX. However, still in XXXX, it is not showing as rectified and paid on my bill even though I have called numerous times and spoken to multiple people. I continue to be told it is taken care of and that they misapplied the fee, but it continues to show as overdue on my statements. When I called on XX/XX/18 because the fee was still show due even when it was paid, the represented was rude and told me that the {$370.00} were late fees in which I replied that I was completely current on my mortgage and that the {$370.00} she was referencing in late fees only came during the trail plan which was all paid on time. She continued to arguing with me telling me that " this was the default department and if I got a modification then I was not current ''. I told her based on my pay history I was clearly current up until the trail plan for the modification started which was the only thing that made me incur any late fees. She continued to tell me that the " late fees were based on the investor ''. However, my investor is XXXX whic the requirements of fees are clearly outlined " The servicer must not charge the borrower administrative fees. The servicer is authorized to assess late charges during the Trial Period Plan. The servicer must waive all late charges, penalties, stop payment fees, or similar charges upon the borrower 's conversion to a permanent mortgage loan modification. ''
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending (KY)

On XX/XX/year> I seen on XXXX XXXX an offer to refinance my auto loan through Openroad Lending at a claimed 12 %. I submitted the loan application and received emails and phone calls claiming I was approved after receiving notifications that my credit had been pulled. On XX/XX/year> I had a conversation with a loan specialist with Openroad Lending regarding the application I put in and was told my rate was going to be 11.38 % on an undetermined length of time. They stated they needed to contact my current auto loan lender to confirm my payoff amount because they could see I owed more on the car than it was worth but said should have no issues proceeding with the loan. On XX/XX/year> I received an automated phone call claiming my loan was approved and ready to go. I called Openroad Lending where I learned they still hadnt contacted my current lender. After trying to contact my current lender to no avail they said they would accept a screenshot of my online account displaying my current payoff amount. Shortly after submitting the picture to them I received another notification that my credit had been pulled. I did not know that would happen. Shortly after the credit pull I get a phone call from Openroad Lending where they stated I was approved at over 18 % interest. I said that is not what was offered where they then stated I owed more than vehicle is worth which they already knew from the previous week. I feel like i was deceived about the rate to draw me in with an unapproved credit pull.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp. (MN)

I have a loan on my car that was started XX/XX/XXXX it was for a 7 year loan which would have been up on XX/XX/XXXX however i am now 8 years into the loan and they are stating i owe XXXX all of this is interest i am very frustrated because i have already paid the 74 payments that is a 72 payment loan and i really do not feel this is correct or fair when i call for them to explain why i still no one can all they state is this is a daily interest bearing loan which i find interesting so they will keep charging me and as of XXXX i will owe another XXXX i have read reviews and others are having the same issue i am. My loan was not originally with First investors they bough out my loan from another lender and ever since they have my balance doesn't move. I really don't feel i owe the remain amount as i have paid XXXX on a 17 % interest loan amount paid for car was XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certified Credit Reporting, Inc. (AZ)

IT REPORTING ACT OF 1974 P.L. 90-321 ( 82 ) STAT 146 NO AGENCY CAN PUT ANYTHING ON MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. I WOULD LIKE EVERYTHING REMOVED WITHIN FOUR DAYS THAT I DID NOT GIVE WRITTEN CONSENT TO, AND I DID NOT GIVE XXXX XXXX  NOR THE OTHER THREE AGENCY MY WRITTEN CONSENT TO FURNISH ANYTHING ON MY CCONSUMER REPORT. NOR DID I CONSENT AS I HAVE PREVIOUSLY STATED AND NOTED I DO NOT AGREE TO ANY HIDDEN OR REVISED CONTRSCTS OR COMMERICAL AGREEMENTS ACCORDING TO UCC 1-308 WITHOUT PREJUDICE XXXX XXXX XXXX XXXX I WOULD LIKE TO BE PAID {$1.00}, XXXX PER VIOLATION WITHIN SEVEN DAYS ANY DAYS AFTERWARD, I WISH TO BE PAID XXXX VIOLATION EVERDAY FOLLOWING THE SEVEN DAYS. I WISH TO EXERCISE THE CONSUMER OPT-PUT LAW UNTIL I GIVE WRITTEN CONSENT TO OPT-IN AGAIN. I WOULD LIKE EVERYTHING REMOVED FROM MY CONSUMER REPORT THAT I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY INFORMATION ON MY CONSUMER REPORT. I ALSO WISH THAT ALL NEGATORY REMARKS and ALL negative consumer reporting on my consumer report. BE REMOVED, as well as OLD ADDRESSES, PHONE NUMBERS, NAMES OTHER THAN THE NAME ON ME THE CONSUMER SOCIAL SECURITY CARD. 

I AM SURE YOULL KNOW THAT REPORTING TRANSACTIONS HISTORY IS ILLEGAL. I AM HOPING WE CAN HANDLE THIS AMICABLY AND HONORABLY, IN GOOD FAITH MOVING FORWARD and yall will comply with the law. AGAIN I WANT TO EXERCISE MY RIGHT AS A CONSUMER TO THE CONSUMER OPT-OUT LAW until I revoke this in writing. I have never received a privacy notice before any information was furnished on my consumer report. 

I do not consent to ANY THAT INCLUDES XXXX XXXX  XXXX, XXXX, XXXX, non affliliated.. I wish for this to be handled in the time frame specified in the above context of this NOTICE. 

UCC 1-308 Without Prejudice I reserve all my rights. I do not consent to any hidden or revised contracts or commercial agreements. 

I RESERVE ALL MY RIGHTS
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (MI)

On and before XX/XX/2023, I was actively depositing and withdrawing money with my MoneyLion online bank account. Once I deposited large amounts of money to my checking account with MoneyLion ; as I was doing online gambling with XXXX ; thats where the problem started. I won several times and would deposit and withdrawal so that I could keep playing the night before and that day. The end result was me leaving {$7100.00} in the account. I then put in for a transfer of {$7000.00} to my XXXX XXXX account. The next morning, not only did the money never transfer but MoneyLion suspended my account, resulting in me not being able to log in. There was no instructions on what to do so I had to XXXX a customer service number. The customer service rep told me they were only able to see an account with my name and social security number that had no money in it. This account had a different email of mine that I didnt know I had. When I told them this is not the account I have been using and that I had lots of money in the account I was referring to having access back to ; they didnt know what I was talking about so I had to look up and provide them with the account I was referring to. Thats when they informed me that I had two separate accounts and the one I was actively using had a different social security number documented with them. I dont know how this happened and asked them to tell me what I need to do to in order to access the correct account with my money in it. They requested I provide several specific identification to verify who I am to an email they provided. I emailed this information and still this wasnt enough for them. They then wanted me to provide proof of my deposits. I sent the XXXX withdrawal screenshots proving the deposits to my checking account to them. They still wanted more proof from XXXX of the withdrawals from my winnings; saying it was insufficient and that they needed more detailed deposit information. I informed them that I would get my lawyer involved since all my efforts in submitting their requested information wasnt getting me anywhere. I had nothing else I could send them as proof of my identity and of my deposits to my account. I immediately received an email informing me that my account was now closed and whatever monies I had would be mailed to me. They wanted me to verify my address and I did that. I never received the check. They also still keep taking money out of my XXXX XXXX for a secured loan I signed up with them with their XXXX XXXX ; causing me insufficient fund fees from XXXX XXXX. Their customer service rep on the phone assured me I would receive my check with the correct amount of {$7100.00} within 5- 10 business days and they would cancel the secured loan and stop trying to take the money out of my credit union. I now have to get my lawyer to help me get my money back and get a new checking account with XXXX XXXX to stop the overdraft fees from MoneyLion.
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (KY)

The company was unclear on policies regarding off cycle payment. I made an off cycle payment and they did not take out the following XXXX payments. I believe this is solely to make it more difficult to pay off loan in required time before a double the amount penalty.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : I am requesting, pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Chex Systems , Inc , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX in the amount of {$1200.00}. 

This account has resulted in a fraudulent account appearing on my consumer report. I have listed this fraudulent account that is on the report that is being maintained by you. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer report that is being maintained by you was not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account is the result of identity theft and fraud.
Consumer complaint received 2024-08-17
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. (MI)

In accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states I have rights to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 uses 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit card account with XXXX was charged off. I filed a dispute with all three credit bureaus for inaccurate reporting. All agencies reported that they have accurate information which is false if the report is different.