davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

My consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Westlake Financial Services is reporting late payments on multiple accounts ( list the accounts ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Westlake Financial Services a written instruction to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Westlake Financial LLC violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (LA)

I applied for a refinance and U.S. Bank refuse to provide me information on why my application was denied. I started the process last month, I have repeatedly request the lender to provide more information on my debit to income ratio denial to no avail.
Consumer complaint received 2022-11-23
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. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-06-11
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: Experian Information Solutions Inc. (NC)

In late XXXX, I sent an investigation request to Experian, asking them to investigate errors on my report. They were supposed to respond within 30 days. Well over two months have passed, and I have yet to receive a response. They have also ignored my follow-up letters.
Consumer complaint received 2016-10-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST MORTGAGE CORPORATION (WA)

We refinanced with First Mortgage Online through First Mortgage Corporation. We never had the FHA policy regarding if we sold and did not buy within a stated amount of time that our FHA Mortgage premium would not be returned to us. We just received a {$20.00} check from First Mortgage Corp marked " PIF '' on the check and telling us to cash it quickly as they are closing down their bank accounts. I would have no issues with the cashing the check if it had the other {$5500.00} attached to it! Once again, we did not received disclosure that the FHA changed their policy on this practice and who oversees the companies to make sure that they are following the laws ... as established by FHA?
Consumer complaint received 2022-11-21
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. (DE)

Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX 4. XXXX XXXX Open Date : XX/XX/XXXX
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MD)

I recently was made aware that a new collection item appeared on my credit file. Upon reviewing the information I was able to verify that this does not belong to me. I have never received treatment for any medical procedures and I do not owe any medical bills as I have health insurance. I have contacted this company and requested a copy of the original bill. The company failed to provide me. I have disputed this with the credit bureau and it is showing as verified. This is incorrect.
Consumer complaint received 2022-11-27
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. (AZ)

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 : Account number # 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 2023-03-16
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. (KY)

In accordance with the fair credit reporting act this creditor has violated my rights according to Act 15 U.S.C 1681 section 602 states I have the right to privacy. 15USC 1681 section 1604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under any open consumer credit plan as late for any reason. 

Agents at TransUnion XXXX XXXX All have accounts that are open that are consider late. I have disputed several items and been lied to and told it can not be removed while they are breaking the law Late payments on XXXX XXXX account number XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Department of education XXXX LATE PAYMENTS ON AN OPEN ACCOUNT Ive been told that I can not remove inaccurate information including names address and phone numbers My Identifying information is not correct 1 name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX XXXX phone number XXXX Inquiries could not be removed form Even though I let it be known that the inquiries were fraudulent The only inquiries I should have are only tied to open accounts
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MA)

I reported XXXX XXXX on my XXXX  card that charged me about XXXX in deferred interest because they closed it then asked for information which you the CFPB mustve briefly looked over they only provided information on XXXX remaining as I saved their XXXX  to you along with adding interest by large amounts every day. My XXXX XXXX card also does not show how I got to that amount they just threw in some random months to make it look legitimate yet that does not show how I got total balance and theyre charging me interest on that amount Ive reported it over and over they finally responded and you guys didnt check the pages it shows nothing how I got these balances XXXX  only showed I owed XXXX but then skipped ahead and showed right when closed early XXXX XXXX XXXX in deferred interest since that time I have paid well over XXXX to them which is noted and no one has done anything to XXXX same thing Im attaching their files they sent you to show it made no sense and didnt add up and to closing my accounts for risky behavior they explain reason why I was risky payments on time low balance to utilization etc they are a scam
Consumer complaint received 2024-04-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc. (FL)

To Whom It May Concern, I am writing to you today with a heavy XXXX regarding my current financial situation. Recently, I underwent a medical operation which resulted in a significant loss of income, plunging me into a state of financial hardship. In an attempt to mitigate this situation, I reached out to my current servicer, Esssex Mortgage, for assistance. Unfortunately, they informed me that they were unable to provide any help and suggested that I explore options online. Feeling desperate, I then contacted XXXX, but was informed that due to my XXXX XXXX, refinancing was not an option. At this juncture, I find myself in dire need of a loan modification to alleviate the burden of my mortgage payment. Despite my XXXX appeals, the servicers have rejected my requests, leaving me in a state of fear and uncertainty about the possibility of losing my home. I implore you to please consider my situation with empathy and urgency. Any assistance and could potentially save my home from foreclosure. 

Thank you for your attention to this matter. I eagerly await your response and remain hopeful for a positive resolution.
Consumer complaint received 2024-04-20
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: MoneyLion Inc. (FL)

I filed a complaint about this account earlier for XXXX XXXX XXXX, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, XXXX ( A ) ( XXXX ) 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OZK ()

On XXXX I sent a wire transfer of {$27000.00} XXXX to XXXX XXXX who held an account at Bank OZK near XXXX, XXXX. The money was supposed to go to XXXX trading platform via XXXX. My sending XXXX XXXX XXXX said the money had been processed by Bank OZK XXXX but XXXX XXXX, XXXX XXXX XXXX said the money never arrived. I contacted OZK twice by letter, and twice by phone, but they offered no solution to this problem. I have the wire transfer receipt in my possession, but the money has gone missing.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my second request to update my personal information on my credit reports. There is inaccurate information on my credit reports. 

This is a violation of 15 USC 1681 ( a ) ( 4 ) Congressional Findings and Statement of Purpose " There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for theconsumers right to privacy. ''
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NJ)

Westlake financial is reporting inaccuracies on my credit report for XXXX of XXXX. I filed a complaint and that was rectified. However, when filing the initial complaint there were no other discrepancy with any other month until the XXXX dispute was rectified. After this Westlake reported an inaccuracey for XX/XX/XXXX and XX/XX/XXXX. They have failed to fix this despite my constance calls and disputes. Although I have the payment history and Westlake can see this information they do not take responsibility for the inaccuracey.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (FL)

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 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. 

XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. 

XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.
Consumer complaint received 2015-10-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ROCKY POINT CAPITAL LLC (VA)

I was a victim of identity theft, I have already closed accounts that were opened fraudulently using my credentials. I was contacted in XXXX 2015 by XXXX XXXX XXXX of Rocky Point Capital informing me that I would have to give an official statement for some " trial '' immediately. I informed him that the debt was fraudulent and emailed him a copy of the police report on XXXX XXXX, 2015. He gave verbal confirmation that he had received the police report, that the debt was verified as fraudulent, and that it would removed from my record and the case closed. On XXXX XXXX both my mother and I were contacted by XXXX XXXX XXXX from the XXXX and XXXX debt collection agency who informed us that his firm had been retained by Rocky Point Capital to seek payment for the debt. I emailed them about this matter on XXXX XXXX and received no response.
Consumer complaint received 2023-02-17
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. (FL)

Saw today on my Experian Credit Report. XXXX XXXX XXXX from Original Creditor : XXXX XXXX XXXX XXXX I owe {$450.00}. This is wrong. I never went to XXXX XXXX XXXX. This account dose not belong to me. I am a victim of identity theft. This is not my account need to be taken off Experian.
Consumer complaint received 2023-01-08
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: 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 USC 1681 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Consumer complaint received 2023-06-23
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: Conn's, Inc. (FL)

The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (HI)

I applied for 3 different bank accounts, on XXXX XXXX and each one denied me because when they ran my name in the XXXX XXXX, it came back as having a 3rd party freeze. I contacted the XXXX XXXX  and they confirmed that they don't have a security freeze on my account. And since it is a third-party freeze that I did not confirm, I should reach out to file a complaint.

I did not authorize ANY third parties to put a freeze on my XXXX XXXX  accounts. 

I need this 3rd party freeze removed because it is stopping me from obtaining a new bank account Thank you
Consumer complaint received 2022-11-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

I received a notice from my employer that my wages are going to be garnished for a debt of {$47000.00} to a company that I have never heard of. I called the county to see what the money being garnished was supposed to be for " the best they could tell '' an old mortgage. 
That is impossible!!!! I live in the only home I have a mortgage on.
Consumer complaint received 2024-11-20
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. (NY)

This afternoon, I noticed unauthorized inquiries on my credit report, and I have no idea why. I regularly check my credit report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiries remained. I urgently request a thorough review of the documents Ive sent so I can stop worrying about this issue.
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.