davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (FL)

I submitted a letter to the Experian and XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX NA XXXX Balance : {$600.00}.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I am trying to buy a car and I have requested to remove the freeze or Alert from my credit report. I have requested that my freeze be removed permanently for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX, SS XXXX PHONE XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (MS)

Reference XXXX I have never had a car repo nor had a bad payment history with this company internal error that they refuse to fix nor with their affiliate I applied for a loan and was denied by Westlake reason for denial is repossession with Westlake or one of its affiliates but I have not had a repo with any company this is an error and they keep denying me when I had a perfect credit history with this company and was never late and paid my loan in full and closed it therefore I do not understand the denial letters I called their office on multiple occasions and they advised they have no record of repo or account not paid their records show perfect history but yet they are getting incorrect info and denying due to internal error that they refused to fix
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (SC)

I am writing to dispute the mishandling of my escrow account. I recently received a statement indicating that my escrow account has a negative balance due to a shortage in the account. However, upon reviewing the statement and my payment history, I believe there has been a mistake. I have been diligently making my monthly mortgage payments on time and in full, and I am confident that my payments have been applied correctly. Furthermore, I have not made any changes to my insurance or property tax payments that would warrant such a shortage. I am concerned that this mistake has been made on your end, and I am requesting a thorough investigation into the matter. I request that you provide me with a detailed explanation of how this mistake occurred and what actions you are taking to rectify the situation. Additionally, I ask that you provide me with a corrected statement that accurately reflects my escrow account balance and a plan for replenishing the funds that were wrongly removed from my account. Furthermore all this discrepancies started on XX/XX/2022 after I received a refund check from XXXX XXXX XXXX XXXX for the amount of XXXX $ receipt # XXXX XXXX $ were pay to XXXX XXXX XXXX XXXX on XX/XX/2022 and the remaining balance of XXXX $ was left on the check, I spoke to customer service representatives from Caliber Home loans and Corelogic regarding this refund i received and what to do with that money I spoke to agents in XXXX and XXXX to confirm what to do next and they all assure me that nothing need it to be done and I could do with that money as I please, this was deceiving and incorrect information I send 2 letters requesting the transcripts of the calls and they gave me the run around and provide me Inaccurate information saying the transcripts were proprietary information and I need it a subpoena, I am a first time home buyer who come from a non-property-owning family or culture this escrow increased have put a big stress on me.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (AR)

I sent my letter previously to three credit bureaus to inform them that the disputed items still remain on my credit file. I kindly request that you assist me to investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Kindly assist me to remove these fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX : XXXX Balance : $ XXXX CARD XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : $ XXXX BANK XXXX Balance : $ XXXX XXXX Balance : $ XXXX OF XXXX XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX CRED ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : $ XXXX CHILD SUPPORT ENF XXXX XXXX : $ XXXX XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX : XXXX XXXX : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$3400.00}.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-08-19
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$14000.00}
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation (DC)

I took out a loan with One Main Financial in XX/XX/XXXX. I purchased XXXX insurance as part of the loan through One Main Solutions. I became XXXX after taking out the loan. I filed a claim with One Main XXXX in XX/XX/XXXX providing them with a copy of my award letter from the Department XXXX XXXX XXXX showing 100 % unemployability. One Main XXXX advised that they could not cover the claim because of pre-existing conditions. I advised them that I had not received any information at the time of purchase or afterwards advising of these exclusions. I went back and forward with One Main XXXX from XXXX - XX/XX/XXXX. During this time my health declined and I picked up a new XXXX and applied for coverage under that XXXX. One Main XXXX continued to play with me by sending a notice that the doctor did not complete the form fully. I do not understand why One Main XXXX would not have followed up with the doctor directly for the missing information as the XXXX form it requests the doctor 's telephone, fax, and email address. This was a way for One Main XXXX to continue to avoid paying the claim. One Main Financial and One Main XXXX  worked together to charge off my account which in return canceled my XXXX insurance with XXXX XXXX Solutions so when they did approve the claim they would not have to pay future claims. My vehicle ended up being repossessed right before XXXX approved the XXXX claim. In addition, XXXX advised me that I would have to pay the full balance due on the loan to recover my vehicle since it was in charge-off status which caused me to file for bankruptcy protection to recover the car. In Maryland, I should have been able to recover the car by just paying the past-due balance and repo. fees. XXXX sent me a letter dated XX/XX/XXXX advising that there was a refund due to canceled insurance however the credit does not show on my account. They never applied the credit for the refund.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$7700.00}
Consumer complaint received 2024-04-02
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. (SC)

I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines.
Consumer complaint received 2023-09-06
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: Upstart Holdings, Inc. (MI)

I am a victim of identity theft. I have supplied all the documentations needed for these companies. These companies are in VIOLATION of 15 U S C 1681 ( E ) and 15 U S C 1666. They are reporting to my credit reports improperly. I request that the information in inaccuracy is deleted from my credit report. The accounts are Upstart/Network Account # XXXX reporting to XXXX charged off balance {$9100.00} with last activity of XX/XX/XXXX  and XXXX charged off balance {$8300.00} with last activity of XX/XX/XXXX  also Upstart/Finewise account # XXXX charged off amount {$2900.00}. 
.
Consumer complaint received 2023-02-22
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my account with your institution, [ Account Number ]. I have noticed several discrepancies on my credit report and would like to dispute the information being reported by your company. 

Firstly, my account with XXXX XXXX [ Account Number : XXXX ] was reported as having a late payment. However, I have never missed a payment with this institution and this late payment is not accurate. 

Additionally, I have a collection account with XXXX [ Account Number : XXXX ], which I have no knowledge of. I would appreciate it if you could provide me with more information regarding this account. 

Furthermore, I noticed that XXXXXXXX XXXX XXXX [ Account Number : XXXX ] and XXXX XXXX [ Account Number : XXXX ] were both reported as charge off accounts. I had previously worked out payment arrangements with these institutions and was not informed that they would be reporting my accounts as charge offs. 

Moreover, the account with XXXX [ Account Number : XXXX ] was reported as a charge off account as well. However, I had been making payments towards this account and was not informed that it would be reported as a charge off. 

Lastly, I have noticed collection accounts with XXXXXXXX XXXX [ Account Number : XXXX ], XXXX  [ Account Number : XXXX ], and XXXX XXXX [ Account Number : XXXX ]. I have no knowledge of these accounts and would appreciate any information you can provide. 

I would appreciate if you could investigate these discrepancies and make the necessary corrections to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, 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. (WI)

This serves as my follow up submission of my concern regarding these listed inquiries which I sent a letter to the XXXX, XXXX and TransUnion Credit Bureaus dated XX/XX/XXXX. I am reaching out to the CFPB for assistance in ensuring that the aforementioned three Credit Bureaus handle my request for inquiry removal with utmost professionalism. Kindly find below a compilation of inquiries that are either not associated with me or were initiated without my authorization, necessitating their removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

This serves as my follow up submission of my concern regarding these listed inquiries which I sent a letter to the Experian, XXXX and XXXX Credit Bureaus dated XX/XX/XXXX. I am reaching out to the CFPB for assistance in ensuring that the aforementioned three Credit Bureaus handle my request for inquiry removal with utmost professionalism. Kindly find below a compilation of inquiries that are either not associated with me or were initiated without my authorization, necessitating their removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies should block any information in my file that I identify as resulting from alleged identity theft within four business days of receiving the report.
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the XXXX Credit Bureau last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX : {$31000.00}.
Consumer complaint received 2023-08-19
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. (FL)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$140.00}XXXX XXXX  Inquired on XX/XX/2023.
Consumer complaint received 2022-12-19
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: Self Financial Inc. (VA)

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, XXXXXXXX XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 2023-08-19
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: Experian Information Solutions Inc. (TX)

This is my first endeavor 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, block 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$8500.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$480.00XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} ( Original Creditor : XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX : {$8500.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00XXXX XXXX XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX Balance : {$940.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX