davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

In XX/XX/XXXX my family enter on a contract with XXXX XXXX XXXX to build a single-family home @ a new XXXX XXXX XXXX XXXX We got a pre-approval for a mortgage with a company call XXXX, and pay an earnest deposit of {>= $1,000,000}. 
We got an FHA loan approved for {$460000.00} with a 3.125 % interest rate as it states in the documents we have. The documents stated also that they were committed to approved it as it was passed by underwriters. XXXX XXXX XXXX proceed with the construction of the house as we were told they will take 10 months to build it. 
Time pass by and in XXXX of XXXX we had a date set for closing, XX/XX/XXXX, We got in touch with XXXX to get them ready, they started the process again, a week before the closing date we started to get no response from the loan officer, and we started to get worried, 4 days before the closing we received the news that our FHA loan was not possible because of proximity with the first home we own, but the loan officer ask us not to worry because he was still approving us with the same terms this time with a conventional loan, of course we trusted and keep on waiting for their good faith. The loan officer on a very unprofessional way stops returning calls or messages and after so many calls and request finally call us back telling us that XXXX couldn't approved our loan, when the system switched the loan to a conventional, we lost the locked rate and that made us not qualified for the loan. 
For that mistake the builders kept out earnest money deposit, giving us only the chance to purchase another home on another development they have but no the money back. 
At this point we don't qualify for a loan for the interest being so high, and at this point we are losing our {$25000.00} earnest deposit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I was reviewing my credit report and see that its fraudulent activity reporting. Please remove immediately XXXX XXXX XXXX {$230.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$570.00}
Consumer complaint received 2023-03-05
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. (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 15USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 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 2023-03-04
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. (MI)

XXXX XXXX has not corrected the issue on my account even though I have provided multiple forms of proof that I did in fact pay my account before the due date and even paid extra they have not corrected it and took over a month way longer then there deadline to respond in which i sent he challenging information electronically as well. I have attached two statements proving I paid on time and extra and request they remove tthis late payment and update it to current.
Consumer complaint received 2023-04-10
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. (HI)

XX/XX/XXXX  sent dispute on accounts in consumer credit report XX/XX/ accounts verified and not all accounts were marked disputed in a timely manner. Sent out a certified by mail letter XX/XX/ requesting information on all and any reasonable procedures taken to verify accounts and date update was marked as disputed. Clear and conspicuous so I could understand its meaning.
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (TN)

Equifax data breach my information was leaked and there is some inaccuracies on my credit report which has never been resolved and has caused stress on my credit score and is causing financial strain on getting a job that required a background check
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Consumer Financial Protection Bureau Attn : Complaints 1700 G Street NW XXXX, D.C. XXXX Subject : Formal Complaint Regarding Violation of GLBA Rights and Failure to Remove Account Information from Credit Report Dear XXXX XXXX I am writing to file a formal complaint against XXXX XXXX XXXX regarding their failure to honor my federally protected rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically pertaining to the sharing of my Nonpublic Personal Information ( NPI ) with non-affiliated third parties. Additionally, I am deeply concerned about their failure to comply with my request for the removal of account information from my credit report, despite sending a written request over XXXX  days ago. 

Per my rights outlined in 15 U.S.C. 6802 of the GLBA, I previously exercised my option to opt-out of the sharing of my NPI with non-affiliated third parties. Despite this, XXXX XXXX XXXX has continued to share my information, which constitutes a clear violation of federal law and a breach of my privacy rights. 

Furthermore, I formally requested XXXXXXXX XXXX XXXX to remove the account information associated with my account from my credit report. This request was submitted in writing over XXXX days ago, in accordance with the Fair Credit Reporting Act ( FCRA ), yet I have received no confirmation of action taken, nor any updates regarding the status of my request. As a result, this erroneous and unauthorized account information continues to negatively impact my creditworthiness and financial standing. 

I have made diligent efforts to resolve this matter directly with XXXX XXXX XXXX, but their lack of response and failure to rectify the situation has left me with no recourse but to escalate this issue to your attention, as the regulatory authority responsible for overseeing consumer financial protection. 

Therefore, I respectfully request the following actions be taken : Investigate XXXX XXXX  XXXX 's non-compliance with GLBA regulations regarding the sharing of NPI.

Require XXXX XXXX XXXX to immediately cease sharing my NPI with non-affiliated third parties. 
Mandate XXXX XXXX XXXX to promptly remove all account information associated with my account from my credit report. 
Impose appropriate penalties and sanctions on XXXX XXXX XXXX for their willful disregard of federal laws and consumer rights. 
I have enclosed copies of all relevant correspondence, including my written request to XXXX XXXX  XXXX for the removal of account information and any responses received, for your reference. 

I appreciate your prompt attention to this matter and trust that you will take the necessary steps to ensure that XXXX XXXX XXXX fulfills its legal obligations and remedies the harm caused by their actions. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-04
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. (CA)

This is my written request to delete the fraudulent hard inquiries. I was looking through my credit report, and I noticed unauthorized inquiries. Someone was trying to get a loan on my name. The thing is I did not sign nor authorize any of the loans. 

The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

Since it violates my privacy rights, I am requesting you to remove the hard inquiries listed below from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Your immediate attention in this difficult situation will be appreciated.
Consumer complaint received 2024-03-17
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. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 XXXX15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have asked the credit bureaus and the collection agency, XXXX XXXX, to verify this debt and they have failed to do so. Also, the collection agency continues to report a late payment to my account every month on this collection account. I have disputed it with the credit bureaus with no resolve. The collection company is telling me that I have no rights and just have to pay the debt. 

I can provide the letters from each bureau showing what I have done and what they have done. I have received no communication from XXXX funding.
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

I purchased a car in XXXX and the loan provide at the time was XXXX. This car was totaled and paid off by XXXX in XXXX. I never missed a payment or had the car repossessed. Both XXXX and Equifax have derogatory comment listed on my credit report. Redeemed or reinstated repossession/fixed rate ( equifax ) and redeemed repossession ( XXXX ). I sent a letter to XXXX ( who bought XXXX and services the loan ) with this information and did not receive a response. I also called and spoke to an associate and they could not find where this vehicle had been repossessed. I reported this to the credit agency and they denied the request. Ive also attached information confirming the car that was totaled was the car connected to the account in question. XXXX XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (AZ)

In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.
Consumer complaint received 2022-10-21
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. (NY)

I have contacted by ( certified mail via USPS ) Experian and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. Experian is reporting addresses that are not accurate or relevant. I did not give Experian permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. Experian is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NC)

credit acceptance sent me on XX/XX/XXXX a copy of " original contract '' i reviewed documents and their are discrepancies. this is not the original contract that was signed. The spelling of the last name on XXXX copy of contract for XXXX XXXX is spelled XXXX, which he never signed nor agree to misspelling of the name. Also on payment history information on XX/XX/2019 it states finance charge rebate of XXXX which was looks like applied to balance XXXX which was not relayed to us during insurance settlement. or never refunded to us. i requested ORGINAL CONTRACT. never received it. this account is showing open because this company is fraudulently trying to get interest and finance charges on a vehicle that was total loss and also was only valued at XXXX the copy of the contract they sent is not the original signed contract. this company is blatantly committing fraud by overcharging consumers with not so perfect credit and also XXXX XXXX in low proverty areas to get them into these loans without being able to get out of a falsified contract. i want the original contract that was signed. i want all the documents showing proof of income, proof of id and licenses, proof of insurance documents that was submitted at the time of purchase and any other signed documents submitted by me and XXXX XXXX and what the salesperson put in the contract. this contract is legal binding any falsified information will be submitted to my attorney for lawsuit
Consumer complaint received 2024-05-31
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (TX)

On XX/XX/XXXX, I purchased the Vanilla Gift Card ending in XXXX with {$500.00} value, and it could not be used anywhere I tried, including XXXX, XXXX and gas station. 

I called Vanilla gift card services and requested a refund, the agent gave me a case number XXXX. 

Right after the call I sent in all 4 required documents - the front and back of the card, the purchasing receipt, a proof of address, and a document containing my e-signature and authorization to replace the card. 

I received an automated e-mail claiming the refund will be processed within 10 days.

It's been almost a month, after 3 calls and 4 repeated emails with 2 different e-mail addresses I have still not received any response ; every time I call the agent refuse to escalate this matter, and there are no updates to this case at all.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. Under 15 USC 1681 SECTION 602, states that I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Date XX/XX/2023 In 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 a 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 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Account : XXXX I filed 2 claims with bank of America due to someone stealing my information. I filed a police report and submitted it to FTC AND CFPB back in XXXX. Bank of America failed to filed my second claim regrading my account.