davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (IL)

I placed a complaint previously and the mortgage company did not do anything to correct it. The mortgage company basically regurgitated the same information I provided without acknowledging we have already paid the FULL YEAR of property taxes. I paid XXXX XXXX a full amount of {$3000.00} in XX/XX/2023. Planet Home Lending also attempted to make this payment, but XXXX XXXX refunded that payment to Planet Home Lending. 

I am enclosing screenshots that show we do not appear to have been in any 'shortage ' as Planet Home Lending would like to say. We were told our payment for XXXX would be {$1000.00} due to a shortage of {$1000.00}, yet we were sent a check from Planet Home Lending ( PHL ) for an 'overage ' of {$330.00}. If you subtract our regular payment of {$670.00} from the XXXX payment of {$1000.00}, that leaves {$330.00}. If you subtract the payment we received from PHL as 'overage ' of {$330.00}, that leaves {$2.00}. PHL 's math makes no sense- especially since we are exempt from property taxes as my husband will never NOT be a XXXX veteran. 

I am enclosing screenshots of everything. I want the FULL REFUND OWED TO US. 

Further, I will break it down to even more simpler terms that I hope everyone can understand. 

The property tax bill was {$3000.00}. Person A ( me ) paid throughout the year to my mortgage company to cover this bill. Person B ( PHL ) has my payments sitting in the account. Person A went to the tax building in XXXX and paid a full amount of {$3000.00} for the year. Person B also tried to send a payment to the tax building that was REFUNDED TO THEM as it was already paid by person A out of pocket. Person A has literally paid this bill TWICE which means Person B owes a refund to Person A in the amount of {$3000.00}.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
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 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.
Consumer complaint received 2024-05-16
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. (FL)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (FL)

Upon moving out of my property rental that I had professional cleaned and hired a contractor to come and put the property back into better condition than received, I have several pictures of the unit prior to move in, I received a tenant charge back in the amount of {$4400.00}. The charges with clearly padded, therefore I decided to file a small claims against the property management company. Right before we were set to go to mediation, the owner of the property management company called and asked if I would settle for {$2600.00} in which would be covered by my surety bond of {$2700.00}, causing no money for me to pay out of pocket. I agreed to the amount and we had documents signed with the agreement. Then next I receive a attempt to collect for my surety bond in the amount of {$2700.00} plus an additional {$1700.00} for the {$4400.00} amount. I submitted all of the documents to the collection agency before the deadline. Never received a response back from them but then check my credit and see that it was turned over on my credit report. I also contacted the surety bond holder who attempted to work with the owner of the property manager and he would not cooperate.
Consumer complaint received 2024-05-16
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. (NE)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

CFPB Writeup I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-25
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. (GA)

I am formallysubmitting this CFPB complaint to report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : $ XXXX-DP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXX OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : {$XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX.
Consumer complaint received 2024-06-05
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. (TX)

I am asking for an investigation because these accounts on my credit file are incorrect. The Fair Credit Report Act says I should get {$1000.00} for each error. FCRA 605B requires reporting wrong accounts on a credit file.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX 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.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked on my credit report and XXXX is reporting that my account is 120 days past due and the XXXX is reflecting that my account is 180 days delinquent. This has caused me issues in securing credit.
Consumer complaint received 2023-08-25
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)

In order to REMIND the Experian Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$330.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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. (PA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-05
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. (CA)

Creditor : XXXX XXXX  Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Consumer complaint received 2024-02-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (GA)

My car was repossessed on XX/XX/XXXX by Westlake Portfolio Management I wasnt able to get my property out of the vehicle until XXXX at XXXX because the tow company that towed it didnt open on the weekend and you had to call and make an appointment to retrieve your personal property and for them to give the address to the tow yard where the vehicle was stored. I have been trying to get a letter from the lien holder since they came and towed my car illegally, but they told me I will receive a certified letter within 10-15days. I was making payments to US Autos  in XXXX FL. When that company filed bankruptcy and went out of business in XX/XX/XXXX, Westlake supposedly took over the loans. They didnt have our contact information or no original contact from when I first purchased my vehicle in XX/XX/XXXX. Ive went to the DMV in my area and US Autos is still the lien holder to the vehicle not Westlake Portfolio Management. I asked a Westlake employee why did my loan start over like it was a brand new loan no one could give me a direct answer. They have reported this on my credit report and has caused significant damage to my credit score.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists of, charter communications/I.C systems, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 XXXXXXXX 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 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 2023-08-25
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXXXXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I chose this category because it was closest to my definition, but its not an exact match. 

I suggest that the credit score methodology used by Experian ( mine, recently as of XX/XX/year> ) is detrimental to me and similar customers, because it focuses on a vague definition of Percentage of Credit Usage to calculate an overall risk assessment ( credit score ). 

Specifically, I use a credit card ( a XXXX, for example ) for every purchase, every day. This results in an unacceptable level of Percentage of Credit Usage, according to Experians algorithm. 

I do this because I receive a cash rebate ( twice a year ) based upon my total purchases. Hence, I have an incentive to use the card for EVERY purchase ; they all count towards this incentive. 

However, I manage this credit usage and pay my monthly balance EVERY MONTH. My payment history reflects a XXXX balance every month, for many years, despite running a high balance. 

My contention is : my Credit Score does not reflect that my risk or non-payment is very low ( I have other assets, as needed to draw from, if necessary ). 

The Experian algorithm ( and probably the 2 other credit agencies, as well ), does not consider : 1. Is high credit usage rate a frequent pattern?

2. If so, how frequently is the balance paid off?

3. If the balance is consistently paid-off, does this demonstrate a pattern of sound financial management?

4. Even if the credit usage rate is high, does customer have other assets to draw upon to reduce credit balances? 
5. If so, should the customer receive a higher credit score for consistently sound credit usage? 

In my case, my Credit Score is XXXX, which is lower than I should expect for years of sound payment history. This was recently reflected when I applied for a car loan and received a lower than best loan percentage rate because of High Credit balances. 

Again, I contend High Credit Balances should be viewed within a larger context of using available credit in a logical manner to manage finances.