davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (IL)

I have been in the XXXX XXXX XXXX XXXX XXXX XXXX. Understanding the dynamic of how our XXXX is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/year> I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a VA XXXX loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a small ( {$120.00} ) collection account from XXXX XXXX that was sold to XXXX XXXX Services. Although I have a contract showing I don't owe this money I settled with XXXX on XX/XX/21 because I'm trying to refi my home. This one disputed item has slashed my otherwise flawless credit history from XXXX to XXXX, making it impossible to obtain any kind of credit. This is clearly disproportionate to the amount in question, especially since XXXX XXXX never attempted to settle the debt since the first time they told me they were no longer going to honor my service contract. 

I've confirmed that XXXX first reported the account paid, closed, and remove status on XX/XX/21 and again on XX/XX/21. TransUnion and XXXX are allegedly " investigating '' my dispute on the matter. Despite four calls to XXXX  between XX/XX/21 and XX/XX/21 to request an expedited recheck on the account XXXX has done nothing and is still reporting it open and unpaid to XXXX XXXX and XXXX XXXX. TransUnion has updated the account but incorrectly shows an open balance of {$57.00}. 

Please contact these two companies and urge them to update my file immediately. Thank you.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian XXXX XXXX continue to report incorrect information on the account listed as XXXX there is a late payment reporting for XXXX but not the other consumer agencies. This can not be as the account must report accurately across the board. Remove the late payment immediately or provide the evidence XXXX used to determine the late payment. 
( a ) Time to make payments 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (MO)

This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. 

All rights Reserved and without prejudice to any of my rights
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (GA)

This is yet another attempt at requesting EQUIFAX and XXXX to stop blocking me from getting my reports. I have been paying for a service to pull my reports and I am unable to access them. I have tried contacting them both and they both claim there is no issue and even on their sites I am blocked from receiving my reports. I can't purchase a vehicle and I have been renting vehicles because I am unable to pull my reports. I have a right to have the reports yet I am being blocked. I also requested my entire FILE I have yet to receive that as well. PLEASE STOP BLOCKING ME! You are violating my rights!
Consumer complaint received 2022-10-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Again you telling me a computer reach out and talk to someone and verify all my information and and again by law I'm asking you to please provide me with the information by FCRA act. All my rights been violated violated by all three major credit bureaus along with consumer financial protective burea... I'm ask by law whom did you talk to time date phone number
Consumer complaint received 2023-08-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report. Please delete the following accounts. 
OLLECTION XXXX XXXX XXXX XXXX XXXX  {$2700.00} CHARGED OFF XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (CA)

My insurance company paid out a claim for damage to my home earlier this year, but due to the payout amount, {$43000.00}, the check needed to be held by my Mortgage Lender, BSI Financial Services. The main issue is with their 'Loss Draft ' Department which evidently handles payments from the insurance company and responsible for issuing the funds from the insurance company for repairs. I've followed the required process and submitted all required documentation with regard to our Contractor, this was submitted via the " Loss Draft Portal '' near the end of XXXX and again at the beginning of XXXX, due to a technical difficulty with their system. After a month and a half and as of today, BSI has failed to issue any funds in which to pay my contractor for work performed so far. I've called multiple times over the past 2 months to inquire about the payment delay, and even spoken with supervisors, but have yet to receive any meaningful answer or solution to the issue. We need our funds issued IMMEDIATELY so we can pay our contractor and need to your help. Is there something you can do to expidie the process?
Consumer complaint received 2024-04-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (CA)

I've been a customer for Speedy Cash for years and I've never had as many issues as I've had over the past few months, specifically with the XXXX XXXX location. I visit several locations in between XXXX XXXX and XXXX XXXX and occasionally I travel to XXXX XXXX for work. In my last visits I have noticed several discrepancies in between locations. The most alarming is that a few months ago apparently this company " switched " their options to OPT in to reminder calls. It is a " requirement '' when I go into a location in XXXX XXXX but when I go to another location, I am able to request no call reminders. I've asked employees why I'm able to request no calls at other locations but when in this location it's a requirement, employees seem scared to answer but always refer back to this is what their " director '' has instructed them to do. Just like any other customer I do request extensions or the following day after my payday to be able to walk my payment in which has never been an issue before. I've had up to 7 days and I've always been able to get an extra day after my payday to prevent them from automatically taking payments from my account. A few months ago, I was informed that no extensions were allowed nor a courtesy day to make payment. Payments are due on due date regardless of any issues you may be having with your bank or finances. The funny thing is that when I called their online department, they are more than happy to provide me with an extension, as well as when I have called other location that are not located in XXXX XXXX XXXX. I asked the online department why I'm unable to request extensions in store at XXXX XXXX or XXXX XXXX and they informed me they have no idea why I would be denied this since it's available company wide. I also called one of my locations in XXXX XXXX and they informed me they weren't sure why but that unfortunately they were under different directors and that could be the issue. I contacted the XXXX XXXX XXXX & XXXX XXXX and requested information on why these " policies '' of no extensions are only applicable to XXXX XXXX only and not any other Speedy Cash locations and both times I was told this was a DirectoXXXX policy and not a company policy. I asked how I can get a hold of this Director and I was informed I wasn't able to get a direct number, but I was provided her name XXXX XXXX. Is this Director an investor for Speedy Cash that's allowed to make up her own " policies ''. I feel bad for all employees working for these locations you can definitely tell that they aren't comfortable in implementing " policies '' that aren't really companywide but need a job and must follow what is being told. I would like for someone to look into the business practices of this " Director '' and let her know she can't make up her own rules and must follow company policies across the board. I know I'm not the only customer who is being a victim of an employee who acts above their payrate.
Consumer complaint received 2023-08-03
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. (GA)

I have purchased a total of XXXX cars through XXXX XXXX  and I've maintained an impeccable repayment history. In XXXX XXXX XXXX  I was informed that I had a payment that was reported on my credit report that was past due 30 days. This payment was due bi-weekly with a five-day grace period. After the grace period the vehicles are equip with a security system that will shut the vehicle down automatically and my vehicle has never been disabled. I attempted to speak with someone by phone on several occasions and was unsuccessful. I was informed I had to send an email to their dispute department and wait 30 days or more for an answer. I sent the email with my explanation as to why I believed the error was on their end and what it boiled down to was their word against mine. I also asked as a valued customer and as a one time, courtesy could they remove the item from my credit report. They responded over 30 days later that by law they had to report it and couldn't remove it. 

I received a notification in XX/XX/2023 that XXXX XXXX was closing all XXXX of their locations until further notice immediately. I received a notice from XXXX XXXX XXXX that my loan has been transferred to them for the collection of my future payments. The Gap insurance, extended warranties etc. that we all purchased no longer exist. All they are responsible for is collecting the payments. XXXX XXXX  has XXXX information to offer concerning XXXX XXXX. The next thing I see is the local news broadcasting reports of consumers that have purchased are complaining about being delinquent with their payments and they weren't. This is when I realized I'm not alone. There is no way to reach XXXX XXXX at this point. They literally informed their inter office staff to complete what they were working on and leave the building.

There are consumers that purchased vehicles within 30 days of the abruptly closing that can not get the required tags for their vehicles. This concerns me because I am close to paying my vehicle off and if XXXX XXXX  can't get their required tags, how will I get my title?
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following this XXXX lawsuit I have several accounts and items that are inaccurate and misleading that needs to be removed.
Consumer complaint received 2022-12-12
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: EQUIFAX, 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 XXXX XXXX XXXX. 
XXXX. XXXX XXXX {$220.00} acct # XXXX XXXX. XXXX Bank {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXX XXXX1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (LA)

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed Kia Finance America account No. XXXX. After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Consumer complaint received 2022-10-22
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 — 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I mailed in and disputed online XX/XX/XXXX. XXXX  with Experian and XXXX to reinvestigate the following account : Account name : XXXX XXXX XXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.