davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (CT)

Around the first week of XXXX, I called " Transunion '' credit reporting and asked them why their scoring for me was consistently XXXX points lower than XXXX or XXXX. I was told that they use their own method of reporting. I wanted in writing the reason for this inaccuracy. But got no response. I sent a letter the second week of XXXX to Transunion requesting that they fix several inaccuracies and have still received no answer. As of the date of this complaint, my credit score continues to be XXXX points lower with Transunion than the other two agencies. This is not right. There must be some way of investigating to see why Transunion continues to report lower scores then the other companies. Lower reporting of scores cost consumers XXXX XXXX XXXX per year. It affects everything in our lives. This company needs to be held accountable.
Consumer complaint received 2024-03-22
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. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2023-09-22
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (PA)

I was let go by my previous employer, because of a XXXX XXXX XXXX XXXX that I disclosed upon hire, because their biggest life insurance carrier wouldn't access my appointment. ( although the other 2 carriers did ). I was out of work for 3 weeks, before taking a job with a former employer. In the beginning of XXXX, I called Freedom mortgage to request a 1 month payment deferral, and they refused saying they don't do that. On the phone I was told this several times by numerous agents over the course of this month. However, upon my 2nd request for payment help, I received a packet which was 27 pages long and listed options including a payment deferral. After receiving this packet, I called again asking for it, since I saw it in writing and they still refused to help. I asked to make partial payments in the middle of XXXX, but was told not possible. Towards the end of XXXX, I was told possible, but then was advised to check into a HELOC or 2nd mortgage, which I did, but was told would have to refinance, which would raise my interest at least a full point or 2, which was unacceptable, so I backed out.
Consumer complaint received 2023-05-20
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. (PA)

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

15 U.S.C 1666a : 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.

15 U.S.C 6801a : 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.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for an XXXX XXXX card on XX/XX/2024 I was denied because of my XXXX score Breaking the FCRA and the XXXX. Not to mention an application is a financial transaction, which I haven't been compensated for. 

I called today XX/XX/2024 for reconsideration. Hoping for a change in the decision and was told I need to talk to the credit bureau ( which there is no such thing ) and apply in 30 days. 

XXXX ) I havent been compensated for my application XXXX ) my app will be traded upon the market well before 30 days along with other securities. 

XXXX ) there's all sorts of inaccuracies on my report that has nothing to do with granting me an open ended line of credit XXXX*i was the young woman I spoke with today she was kind and sweet no doubt about that. I just want what's my god given right from American express.
Consumer complaint received 2024-03-22
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)

This is my 5th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-20
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. (SC)

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, 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 2024-01-02
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. (WI)

On XX/XX/2023 I submitted a dispute request to Experian through their website. But they did nothing to investigate the validity of this account like I requested. Because there are numerous inaccuracies listed under this account by the name of XXXX. With the account number attached as being XXXX. The date last active is inconsistently being reported by Experian as you can see. Which now is a violation of my consumer rights and I demand this account be removed from my credit report.
Consumer complaint received 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (DE)

CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2022. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO CREDIT COLLECTION SERVICES. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Consumer complaint received 2023-06-14
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)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX XXXX : {$10000.00}.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( XXXX  ) ( XXXX  ) ( AFFIRM ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-22
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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)

This affirm count is not mine. Somebody got this in my name, and affirm forced me to pay it off. After I paid it off they told me that it would be deleted from my credit report. They lied to me. This was never my account. they got their money and they still was never my account. They did not help me and I keep disputing it with Experian and it keeps making matters worse every time they refresh it and report it with all of those derogatory and malicious late things on my credit report after they got money from me, this is fraudulent my husband just died and they were trying to take advantage of me
Consumer complaint received 2023-12-08
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: U.S. BANCORP (NY)

Today is the XXXX XXXX of XXXX I am sitting in my vehicle as we speak it is XXXX XXXX. My car is on a tow hook and they are stealing my vehicle causing commotion outside harassment. 
XXXX has been harassing me and now stealing the vehicle which is against the law which Ive stating in previous complaints. US BANK XXXX XXXX AND XXXX  ARE VIOLATING THE LAW!
Consumer complaint received 2023-12-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC (AL)

After my first complaint I tried to work out something with XXXX XXXX told them I can't do a SETTLEMENT, but the refuse to understand my situation. As I mention I'm on a fix income making only XXXX a month. Here is what they told me in an email : XXXX Thu, XX/XX/XXXX, XXXX ( 1 day ago ) to me Dear XXXX XXXX , Thank you for contacting XXXX XXXX . The current payoff on your account as of XX/XX/XXXX  is {$2600.00}. At this point, the lowest offer we can make to settle your account is {$2100.00}. 

In order to secure the settlement, we will need to collect {$530.00} on or before XX/XX/. In addition, you will need to pay the remaining balance within 60 days. 

Please contact our Collections Team as soon as possible at ( XXXX ) XXXX Monday - Friday XXXX XXXX to XXXX XXXX  CT or via email at XXXX to secure this offer. 

Thank you for choosing XXXX XXXX  First off I can't afford XXXX, cause that's just about my whole check and I get paid the last day of the month and can't make it stretch till my next payday. Second only settle for one payment of XXXX and again can't make that payment cause of my fix income. I stated I can pay only {$150.00} a month. That is all I can do. They are refusing to work with me someone who is very XXXX XXXX. I can't call and talk to them cause look at the stress it would have on me, and I'm already having health issues. I give my son XXXX XXXX consent to speak for me. Please CFPB you've got to do something with this company who is not willing to work with me with a {$150.00} a month payment. This is not right. This isn't my fault that I got suddenly ill and can't work a full time job. But they are holding me accountable for it. Times like this I should the XXXX XXXX just go ahead and XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I don't have to live through this kind of treatment from this company.
Consumer complaint received 2020-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was eligible for the PSLF program. I was misinformed multiple times regarding this program by Navient. They told me I was on track with my payments and was eligible for the PSLF but that I didn't need to apply until 2017 for the PSLF program. When I applied in 2017, the PSLF program told me I qualified for the PSLF but that none of my payments I had been making from XXXX qualified because I didn't refinance my student loan through XXXX XXXX. I was never told this by Navient. I spent 7 years paying on student loans that I was led to believe on multiple occasions went torwards the PSLF forgiveness program. I was told multiple times when I called Navient that my loans were on track for the PSLF program. I was never told at anytime by Navient that I needed to refinance through XXXX XXXX in order to have qualifying payments. I am now stuck with the remainder of my student loan that was supposed to be forgiven because I took a lower paying public service job in order to qualify. It will take me many years to try and pay this off.
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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. (AL)

I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CA)

On XX/XX/2023 I sent an email to their dispute dept concerning account # Account Number... XXXX Merchant Name.XXXX XXXX XXXX  XXXX Please note I couldn't find the best selection on your form but this is what I'm seeking your help with as XXXX XXXX needs to stop all interest rate charges and payments while we are in dispute and they are not following on the dispute process as they are trying to force this loan while I didn't receive services from XXXX XXXX XXXX and been frauded by their service. 

XXXX XXXX XXXX now operates under the name of XXXX XXXX did repair work ( replacing tensioner belt ) on my car on XX/XX/2023. However, when I took my car to XXXX XXXX who is also another merchant of XXXX who did some work on my car on XX/XX/2023 indicated that the work by XXXX XXXX XXXX around XX/XX/XXXX was not in acceptable condition and that the belt needed to be still replaced and the condition of that belt within only two months considering the charges was not acceptable. 
I contacted the XXXX XXXX XXXX but they denied it and hung up the phone that they would call the police if I called them again to complain about their work. As such, I sent an email to XXXX dispute dept ( XXXX ) to report a dispute on this transaction that I have been paying a monthly payment of around {$68.00}. I asked them to stop charging interest rates of over 100 % and stop my payments until they can resolve and refund my money as I didn't get the service that I paid for at XXXX XXXX XXXX and was a scam job they did on my car. After multiple attempts to email XXXX XXXX and to keep reopening this dispute, they would not stop the finance charges and haven't put a hold on these payments yet. They are trying to just make excuses to force this loan on me and they wouldn't complete their investigation accurately by calling XXXX XXXX ( their other merchant who worked on my car with expertise on XXXX cars ) who is willing to make a statement about the unacceptable repair work by XXXX XXXX XXXX on XX/XX/2023. As such, I need your help to contact XXXX to ensure they follow laws accordingly on my dispute and to stop all charges, and monthly payments, and to complete their investigation by calling XXXX XXXX for their testimony. XXXX needs to refund my money and remove this account as I was frauded by XXXX XXXX XXXX XXXX XXXX.