davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On or about XX/XX/2023 I filed a complaint to the cfpb about All Credit Reporting Agencies failed and as of today still failing to comply with the following : 15 U.S. Code 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), requires financial institutions to protect their customers ' personal and financial information. The GLBA also requires financial institutions to : Not disclose nonpublic personal information to nonaffiliated third parties unless the consumer receives sufficient notice Provide a notice of their privacy policies and practices to each customer Allow the consumer to opt out of the disclosure of their nonpublic personal information to a nonaffiliated third party The notice must include the categories of information collected and disclosed. The financial institution must provide the initial notice to each customer when a customer relationship is established 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been at least 6 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On or about XX/XX/2023 I filed a complaint to the cfpb about All Credit Reporting Agencies failed and as of today still failing to comply with the following : 15 U.S. Code 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), requires financial institutions to protect their customers ' personal and financial information. The GLBA also requires financial institutions to : Not disclose nonpublic personal information to nonaffiliated third parties unless the consumer receives sufficient notice Provide a notice of their privacy policies and practices to each customer Allow the consumer to opt out of the disclosure of their nonpublic personal information to a nonaffiliated third party The notice must include the categories of information collected and disclosed. The financial institution must provide the initial notice to each customer when a customer relationship is established 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been at least 6 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-08
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: Mr. Cooper Group Inc. (TX)

Their toll-free number doesnt allow you to speak with anyone at Mr.Cooper Mortgage when going through their IVR. Puts you in a continuous loop then hangs up. Feels very predatory when Im unable to reach a live agent.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Westlake Services, LLC (AZ)

Im filing a complaint against Westlake Financials I own a small auto dealership in XXXX Arizona called XXXX, XXXX. 
When I opened my dealership in XX/XX/XXXX I was excited to add Westlake financial services to my list of lenders. Westlake informed me that they need a {$500.00} deposit until I submit 10 deals or have one contract funded through them. Little did I know about their high unrealistic interest rates for top tier clients with excellent credits and the absurd fees they charge the dealers to approve the auto loans. For example if Im selling a vehicle for {$18000.00} to a client with a XXXX credit score Westlake charges the dealer a buy fee close to {$900.00} with an interest rate of % 13 which is totally absurd, attached is a copy of their contract and lender fees. So after submitting 3 deals, I decided to stop sending them credit applications and contacted my Westlake representative XXXX XXXX on XX/XX/XXXX to close my account and refund my {$500.00} deposit. Atfer I spoke Today with XXXX XXXX XX/XX/XXXX he informed me that Westlake did close my account but they wont refund my deposit. Their excuse is I failed to submit a minimum of 10 deals or I didn't successfully sign 1 contract. Is it legal for Westlake to refuse to refund my deposit?

Thank you
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-08
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. (CA)

I have called, mailed and disputed online the identity theft inquiries several times. The online dispute get closed in a day. Equifax ran an investigation from my mailed in dispute, and the results agreed the inquiries should be deleted. HOWEVER, Equifax still has NOT deleted the information. THE dispute results letter states the DELETION HAS HAPPENED. but this is NOT TRUE. they are still showing as of today 's date. Proof attached.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I paid for a service, a money remittance on XX/XX/2023. Supposed to be in the beneficiary 's account in minutes. It's been 3 days. I call moneygram 's customer service for an explanation they blame the recipient 's bank, they say the recipient 's bank have the funds available and they don't know when the recipient will have the funds deposited into his account but they will investigate. I tell them the recipient really needs those funds and that if they can't make sure he receives the money like right away I would like to cancel the transaction. Customer service then tells me that is no possible that I have to wait up to 90 days. I just talked to the money transfer beneficiary, He went to his bank to find out the reason for the money not being there. It turns out there is not money they are withholding, that by law they can not withhold any funds that belong to an account holder. I call customer service, this time just to cancel. But again I'm told " not possible ''. I ask to talk to somebody else and this person tells me that whoever I talk to it's going to tell me the same thing.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

Account # 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 an account without my written instructions.
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (FL)

I want to report some fraudulent inquiries that are on my Equifax credit report and I want them to be deleted as soon as possible. They have been laying and sending me papers saying that the fraudulent inquiries have been deleted but they are still on my credit. Here are the fraudulent inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner keeps reporting a debt for Progressive car insurance for {$390.00} that I do not owe. The account was closed years ago. I have disputed this charge at least three times and it was removed. The debt collector just keeps adding it back on.
Consumer complaint received 2023-09-08
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: Affirm Holdings, Inc (VA)

I paid off my Affirm account in XX/XX/2022. As of today, XX/XX/XXXX - Affirm has not updated the balance on the three credit bureaus ; I have opened eleven disputes regarding the balance of my account. No one is reading the account status - to the letter! 

The majority of the customer service representatives have language barriers- unacceptable. The department that handles the credit reporting need additional training.
Consumer complaint received 2023-08-22
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 15 USC 1681.

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX XX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2023-09-08
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: Mercedes Benz Financial Services (IL)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report on XXXX and also XXXX knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with ( XXXX XXXX ) ( MB FIN SVCS ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with { Insert COMPANY NAME } for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reached out to Tranunion via dispute several times to investigate this late payment on this account. When a dispute was open i requested that they verifiy this information to be correct and send method of verification. They failed to do so and still are reporting as late when the other credit bureas are reporting 100 % on time payment. I sent them this proof as well. In addition under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am demanding that they update this account to never late and 100 % payment history as this is damaging to my credit.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXX ACCT # XXXX FRAUD/REMOVE XXXX ACCT # XXXX FRAUD/XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2023-08-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I have a Loan from PNC bank and payments and account was set up by PNC banker.It has been more than 2 years that bank has not issued me any statement. No access to past statements and online account has been locked in such a way that I can not see my statements. Payments have been set up through another account from PNC which was set up by banker itself. 
No changes can be seen or modified. Although payments were set up as automatic deduction and my loan amount instead of going down, its going up. I have requested customer service contacted them more than 5 times to ask the same details and each time I ended up spending minimum XXXX + hours without any conclusion. 
No statements have been issued and no support had any success to access my account. I suspect, bank is manipulating loan amount by keep me out of approach to the crucial information which they should have disclosed to me from the beginning. 
I have even tried going to the local branch and yet they were not able to access completely and they have suggested me to contact phone customer service. 
My accountant requires all those statements for tax purpose and I have a feeling that PNC bank is manipulating financial data by keeping me off the records. 
I need help as I can't get help from the bank and it is my right to see all my records of all my payments and their adjustments. Bank is taking a full control of my loan and associated documents. 
Please help me to get PNC bank on track so that I can see what I have been paying for, for past XXXX years and how are the funds applied to the loan amount.
Consumer complaint received 2022-12-02
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. (NC)

XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$8500.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$610.00}
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.