davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (FL)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX, XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you in good health. I am writing to bring to your attention an issue regarding my credit report. Upon reviewing my credit history, I have identified an entry that appears to be inaccurate and is affecting my credit score adversely. I am writing to request the correction or removal of the late payment entry associated with my account. 

Below are the details of the late payment entry : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

Upon careful examination of my financial records, I believe there has been an error or misunderstanding regarding this late payment entry. I am confident that the payment in question was made on time, and I would like to request an investigation to rectify this discrepancy promptly. 

Maintaining an accurate credit history is crucial to my financial well-being, and I am committed to resolving any discrepancies promptly. I kindly request your assistance in investigating and correcting this matter as soon as possible. Once the investigation is complete, I would appreciate it if you could provide me with written confirmation of the actions taken to rectify the late payment entry on my credit report. Additionally, if there are any further steps I need to take, please advise me accordingly.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC. (NY)

I reached out to Ally financial a few weeks ago requesting I would like to extend my lease and the rep said the option is available once I make my last payment, So I made my last payment a littler sooner so I can extend the lease. However when it came to extending the rep said it's not an option. So now I am stuck I planned on keeping the vehicle and not have to look for another car now I am in limbo I have to rush to get a new car
Consumer complaint received 2024-03-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

Pennymac USA administers my VA mortgage for my property in Wisconsin. As the managers of my mortgage in Wisconsin, they agree to to follow my Wisconsin property tax election that " Pennymac will pay the property taxes directly to the tax collector by XX/XX/XXXX. '' On XX/XX/XXXX, Pennymac reported my " property tax payment '' in the amount of {$5800.00}. However, this amount was NOT paid to the tax collector. Instead, they authorized XXXX XXXX, a thrid-party company, to make the payment on their behalf to the XXXX XXXX XXXX property tax collector XXXX Unfortunately, XXXX XXXX did not issue the check until XX/XX/XXXX, which was not received until XX/XX/XXXX. Because of this error, my XXXX XXXX XXXX XXXX XXXX  could not be issued for this year, but will have to wait until the following tax year. Pennymac refuses to give me information to Contact XXXX XXXX or provide and explanation for why my taxes were NOT paid according to my election by the XX/XX/XXXX deadline. They claim the payment was made on XX/XX/XXXX because that's when the funds were taken from my Escrow. Nevertheless, Pennymac did not pay the tax collector directly, they paid XXXX XXXX to do so, and that company failed to do some on time. Who bears the responsibility for this failure to meet the election deadline, and does Pennymac have a contractual obligation to pay the tax collector directly without using a third party? Moreover, can pennymac falsely list on my mortgage statement and 1098 that my taxes were paid in XXXX, when the county rightfully observes that it was not paid until XXXX? Because of their misrepresentation of their process for paying taxes and honoring my election, I am out {$5800.00} plus interest for an entire year.
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (IA)

Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-12-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I recently obtained my credit reports from all three major credit bureaus, and I noticed that the information regarding the late payment on the aforementioned account is inconsistent among them. Both XXXX and XXXX have already updated their reporting to reflect the accurate status of the account, removing late payments. However, your bureau continues to report an inaccurate late payment. I was the victim and Im not sure why the XXXX is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that credit reporting agencies are obligated to provide accurate and up-to-date information. Inconsistencies such as this can have a significant impact on my credit score and financial well-being. Given that the other XXXX credit bureaus have already rectified this error and updated their reporting, I kindly request that you follow suit and correct the information on my credit report to accurately reflect the status of the account.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

XXXX I was informed thru a credit reporting agency that my information was stolen in a data breach in XXXX. When I looked at my credit report there were multiple collections for debt that was not mine. I filed a police report and with the report from the FTC on identity theft and the officers information I sent to the debt collector, and the reporting agency. Also documents showing I wasnt in the state where the charges were being made. Upon the credit agency reporting the investigation was done there were no reports about the results of the investigation or how they still believed that the debt was mine. I have not received any documentation from debt collectors or from the reporting agencies. I keep reporting it as identity theft but nothing gets done. The debt collectors are lying and keep reporting that I am paying on the debt which is absolutely false. Since nothing was being done and I was falsely being accused of these debts I put a freeze on my credit and it has been on there for two years now so I wont get another debt that isnt mine.
Consumer complaint received 2022-12-10
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. (GA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have reached out about my social being incorrect and nothing has been done about it a lot of the accounts arent mine so I asked to have them removed and I was told I couldnt have them removed I was informed one of my accounts is in bankruptcy but yet still on my account I need help removing these items please
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (KY)

BRIDGECREST has been sharing my personal information with the credit reporting agency who are unaffiliated 3rd party without providing me with the required disclosures. They have also refused to respond to any of my correspondences. Also the account they are illegally reporting is in charged off status, as you know accordingly with the IRS a charge off status is income. Income can not be report on a consumer report. On my consumer report, BRIDGECREST is reporting my personal information which is illegal under the Privacy Act of 1974. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, BRIDGECREST is illegally reporting my information to unaffiliated 3rd parties.. I have checked all documents they gave me and none of these documents contained any of the required disclosures. Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization that I as the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc 6802.
Consumer complaint received 2023-12-26
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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 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
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My perusal information was compromised in the XXXX Data Breach and I have notified TransUnion of this multiple times. I have let them know these fraudulent inquiries should be removed and blocked MULTIPLE TIMES. TransUnion has violated federal law 15 U.S.C. 1681 multiple times and have acted in a way that displays they are willfully and negligently choosing to not comply with federal law. 

They have not done an investigation into this matter and have told me on multiple occasions it is the consumer who has to complete an investigation which shows they have no intention to comply with the basic principle of the federal law. 

I have now included an identity theft report in this response.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (AZ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Burns Auto Credit, LLC (SC)

Continue issues with Burns Auto Credit handling of finance charge - Per UCC 16 CFR 433.1, during a Purchase Money contract - I was suppose to receive a cash advance and Burns Auto Credit is receive in return only the Finance Charge. Because when I provide my signature I provide them a security instrument which secure all payments as mention page 3 Section 2 c of retail installment contract. and I did not receive the cash advance of {$12000.00} - Per UCC 16 CFR 433.1, Definitions. ' ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
Consumer complaint received 2023-12-26
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. (MS)

Per the FCRA, I XXXX XXXX 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 and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" 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, XXXX and Experian etc. 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2023-12-26
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. (KY)

It has come to my attention that XXXX XXXX XXXX has been sharing my information with non affiliate 3rd party. Pursuant to 15 U.S. Code 6802 and the Privacy Act of 1974, they should not be sharing my information with 3rd party non-affiliates without the required disclosures. I'm coming to the CFPB because under 15 U.S. Code 6805. I am using my right to opt out 16 cfr 313 Privacy of Consumer Financial Information.
Consumer complaint received 2022-10-07
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. (NV)

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 # XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 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 information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (AZ)

I had to open a dispute for a fraudulent charge on my credit card. The representative I spoke to was not able to provide any information about when a credit would be applied to my account. I need access to these funds asap.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX I received the decision to request XXXX XXXX XXXX and provide request documents through email on XX/XX/XXXX as requested. To email ; XXXX. 

On XX/XX/XXXX I also uploaded entire documents to SLS portal. Attached are confirmation entire documents were uploaded. 

I received notice on XXXX/XXXX and called SLS on and spoke to XXXX ID No XXXX I was informed nothing was attached in the email. I was explained there is no records of uploaded documents. 

After spending and wasting my time for close to one hour I request to speak to supervisor. I was informed supervisor will call me XX/XX/XXXX hours. 

Its XX/XX/XXXX past 5 days no supervisor has called me. 

CFPB can not letter complaint like this get response only but take to action email conformation state documents were received. 
Uploaded documents were received, and homeowners are threatened with foreclosure by taking advantage of holding deeds.
Consumer complaint received 2023-12-26
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)

It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX