davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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: Experian Information Solutions 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 2021-12-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX  days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2023-02-28
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX 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 an accommodation 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Klarna AB (MI)

Greetings : I am writing to issue a complaint against Klarna Inc. for its deceptive and bait-and-switch practices. I had issued a complaint with the XXXX, but they could not make a determination in my favor because Klarna did not provide me with anything in writing pertaining to my account, except for a statement which was not sent to me. On XX/XX/2021 I made an XXXX purchase ( from several XXXX shops ) totaling {$670.00}. Klarna offered me 12 months zero interest, as long as I kept up my payments. In XXXX, I was trying to navigate the Klarna app and my automatic bill pay was shut off, which I did NOT intend to happen, and this resulted in a late fee AND loss of my promotion. HOWEVER two supervisors have also written to me saying that the promotion was never added to my account because I didnt qualify, even though I was approved for a {$1000.00} credit limit through Klarna XXXX Klarna did NOT divulge anything about my not being eligible for the promotion. They also didnt divulge that my promotion was removed due to a late payment. 

So which one is the REAL story? I honestly dont know. But the point is, Klarna did NOT notify me when : A. I didnt qualify for the promotional offer of 12 months zero interest ( see attachment of the screenshot I took when I accepted the offer ). 
B. I LOST my promotion because I lost my auto pay, which resulted in a late payment/fee. 

NEITHER scenario is acceptable and as I said, I dont know what the truth is. I am disputing any and all interest and late charges associated with my Klarna account. I did not agree to the interest rate of 19.99 %, which was added to my account instead of the promotion I agreed to 12 months zero interest, and thats what I expect. My bill has been half paid off, and I owe Klarna {$370.00}, NOTHING MORE. This has been going on since XXXX, and I am livid about being deceived by Klarna XXXX Inc. Im not sure why they have an A+ rating on the XXXX website, because the complaints from customers against Klarna on the same website ( XXXX ) are EXTENSIVE, and average 1.4 out of 5 stars. This is unacceptable and I will fight this absolute injustice.
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

I obtained a loan from Planet Home Lending on XX/XX/XXXX. My insurance agent provided Homeowner 's insurance and Flood insurance quotes and the premiums were paid during closing. 
Problem # 1 = insurance information was never updated on the portal! 

A bit later I found out that Planet Home Lending decided that the property was in zone A ( though FEMA map shows it in zone X ) and requested my insurance agent to find the quote for zone A and additional funds were disbursed to pay higher insurance. 
Problem # 2 = I was not informed, not a single letter, email, etc. All of this was done behind my back and my insurance agent told me that Planet Home Lending assured them that I was aware. 
Problem # 3 - FEMA shows that the property is located in zone X and the original flood insurance I had was sufficient to cover for flood insurance. 

in XX/XX/XXXX I received a letter from Planet Home Lending informing me that I did not have an active flood insurance and that I needed to get one, otherwise PHL would purchase an expensive one for me. That sounded like a fraudulent scheme ( similar to the ones other consumers suffered from based on multiple complaints found on the web ), how can the same company who requested to charge more money for the existing flood insurance now XXXX months later tell me that I did not have any flood insurance? 
when I received that letter, I uploaded proof of insurance to the portal address provided and sent a paper copy proof for homeowners and flood insurances to the address provided in the letter. 
in XX/XX/XXXX I found out that Planet Home Lending fraudulently charged me for the second flood insurance {$2200.00}. In addition Planet Home Lending is planning to charge me additional {$370.00} for XXXX XXXX XXXX XXXX  insurance on XX/XX/XXXX, which is the second XXXX insurance on the same property, this looks like an attempt to fraudulently use my escrow funds to purchase additional insurances not required by law.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XX/XX/2021 somebody charged my debit card in XXXX XXXX XXXX XXXX XXXX  ) first time for {$2500.00} and then for {$580.00} through the Credit Acceptance Corp., and twice by {$9.00} through the XXXX XXXX. Totally for {$3100.00}. We asked the XXXX to stop processing. However, the XXXX  ignored our request and has processed these charges. Some time later we found in the XXXX 's Message Center that this claim is " resolved -claim not paid ''. 
I never used services of the Credit Acceptance Corp. and had no idea about its existence. The information on the internet suggests that it is a company that is financing subprime automobile loans. Evidently, it has to check credentials of any person who is applying for the loan. Therefore, the Credit Acceptance Corp. has information about this person. Hopefully, the XXXX informed the Credit Acceptance Corp. and that company could initiate a criminal investigation. However, nothing was done. I have no idea who got this loan. The Credit Acceptance Corp. didn't inform me about operations where my identity was involved. It looks that the loan was done for another person who got a car under this loan, but paid by my debit card. How it is possible I can not imagine. By the way, supposedly, the XXXX XXXX is also involved in this fraud, but as an intermediary.
Consumer complaint received 2023-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

I am a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS INC, for committing identity theft. I have never given TRANSWORLD SYSTEMS INC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with TRANSWORLD SYSTEMS INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving TRANSWORLD SYSTEMS INC any right to collect on this alleged debt. 

I have never received any documentation requesting validation from TRANSWORLD SYSTEMS INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS INC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS INC, continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS INC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (GA)

Begining of XXXX there was an auto loan that i didnt make on my account. I disputed it multiple times with credit agencies, all three of them. they keep verifying it as accurate. It is not my account, i've explained. 

XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-03-17
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. (IL)

I have already contacted the bank about my secured credit card. I personally came to the branch 6 years ago. Paid all I must in full and a bank employee told me that everything was fine. The card would be closed and I didn't owe anything else. In the written response from the bank, there is no information on how they conducted an investigation into this matter.
Consumer complaint received 2023-03-06
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. (MD)

I have contacted the 3 main credit reporting agencies with failed attempts for action. I want to remove personal information that I donot want on my credit report. The information is no longer accurate. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people.

In addition,15 U.S. Code 1681s2 states that the responsibilities of furnishers of information to consumer reporting agencies. 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. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-12-23
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: Fay Servicing, LLC (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. FAY SERVICING LLC is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( FAY SERVICING LLC XXXX )
Consumer complaint received 2023-07-09
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. (IN)

I have written letters to Credit bureaus about the errors on my credit report three times and always comes back accurate. I know there has been no investigation because I clearly provided them with the credit report the accounts to be removed immediately. The Fair Credit Reporting Act states if any credit report is not 100 % accurate, It must be removed or the business is subject to a {$1000.00} violation. Which I will pursue if these accounts are not removed immediately. XXXX will not give me a copy of my credit report unless I pay for it as the representative of XXXX said to me.I said, I am supposed to get a free copy of my report. The representative hung up on me, which is a violation of the FCRA Law. I am extremely disappointed with how I have been treated, ignored, and deemed as less than for expressing what has been set in place for people like me. I am looking to resolve this in a calm, quick and hassle-free manner without having to escalating my problems further to those willing to listen to me and take my concerns serious. 
15 USC 1681 A 4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2024-01-10
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. (CA)

As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, including XXXX and Experian, must carry out their significant responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which declares the Congress 's policy that each financial institution has a continuous obligation to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. 

The term " ( Furnisher of information to credit agencies ) '' qualifies as a financial institution by definition under this title. According to 15 USC 1681 section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only under specific circumstances, such as in accordance with the written instructions of the respective consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent to furnish this information, and they do not have my written consent. I hereby revoke any and all consent to XXXX, Experian, and the Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise this option. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report without authorization, except for records of convictions of crimes that predate the report by more than seven years. Reporting this account as an adverse item without my permission is a violation of the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes listed under section 1681b of this title. XXXX and Experian are not upholding reasonable procedures. 

Furthermore, as stated in 12 CFR 1016.7, a consumer has the right to opt out at any time. Accordingly, I am opting out of your reporting services.
Consumer complaint received 2021-12-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XX/XX/2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans union is reporting a account that does not belong to me I did not authorize any account with XXXX XXXX XXXX and its damage my reputation and trustworthy this account does not belong to me Im a victim of identity theft I file numerous complaints to trans union but the account still showing on my consumer file account name XXXX  XXXX XXXX account number XXXX
Consumer complaint received 2023-03-09
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. (VA)

As of the date this complaint is being submitted the information being reported on my consumer report in regards to VA XXXX XXXX XXXX XXXX is being reported inaccurately and incompletely causing me a financial hardship.
Consumer complaint received 2017-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

Upon open ing my account I went to the TD Bank Online to access my account and the please allow me to say this again I login in the Online Banking and the website or TD Bank Online do not give access to my access I login to the account and then it ask me security question and change my question Please investigate this banking services ensure that it was setup according to United States Federal Reserve and United States Federal Regulation and the Bank and the Online does have access to customer account and the website and services has not been hacked into and all misconduct and mismanagement found all individuals involved be convicted according to United States Federal Regulations I contact customer regarding access account and notice the Online Banking does show my    retirement account on the staff stated that IRA and Retirement    company was close for the weekend and that they did not have a number for them to give me Please investigate if the customer service and the supervisor supposed know how contact the IRA and Retirement Account is this United States Federal Reserve and United States Federal  Regulations
Consumer complaint received 2023-03-09
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. (NY)

To whom this may concern, I am writing to express my deep concern regarding the charged-off account from XXXX XXXX  account XXXX, which has been reported on my credit report for several months now. I believe that XXXX XXXX  is currently violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting this account as current, instead of being charged off and closed as it has been for months. This has resulted in significant harm to my credit report and has cost me thousands of dollars in lost opportunities. 

Furthermore, I would like to bring to your attention that a full and proper investigation was not conducted to validate the accuracy of this account. I was not provided with the actual date of the first delinquency, the account closure date, the original contract showing my signature, the name of the representative that validated every piece of information to be 100 % accurate and verifiable, and the time they spoke to ensure that the payment history is accurate. I am concerned that your reporting of this account has been inconsistent with other credit bureaus, which is a violation of my rights under the FCRA. 

I would like to emphasize that an account can not be reported as current after it has been charged off. Therefore, your company 's recent decision to report this account as current is a violation of the FCRA. 

I am requesting that your company immediately investigate this matter and provide me with a detailed explanation of why the account has been reported as current, instead of charged off and closed as it has been for months. If every piece of information related to this account can not be validated and is not 100 % accurate then I am requesting that it be deleted from my credit reporting. 

I look forward to hearing back from you in a timely manner regarding this important matter. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX