davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

We have a mortgage on a rental property that is almost paid off. We owe about $ XXXX. on it at this time. we have excellent credit and always pay our bills on time. 
This particular mortgage we have had with XXXX for the past several years. We have been very happy with their services and efficiency. 
Recently, we received a letter in the mail indicating they have sold this particular mortgage to NewRez, LLC. While I understand reassigning a debt is common practice and has happened to us many times in the past, I am very unhappy with this choice. We read reviews on line indicating they fail to make escrow payments, they fail to pay refunds when they are due, and generally have " loose '' business practices. 
I realize it is possible to deal with this type of company if one is particularly careful, but I am seriously alarmed by the notation at the bottom of the letter that was sent to us notifying us of the change in service. It says " Goodbye RESPA XXXX, XX/XX/2019 ''. This indicates to me that the company has no interest in protecting my rights and feels no responsibility to provide consumer protection or behave with integrity. 
I attempted to contact them to discuss the matter, but could only obtain a recorded message. I contacted XXXX to see if they could assist me. They said my " investor '' was XXXX, and I would have to contact them directly to discuss the choice of companies they had made. I called the number the very nice XXXX employee gave me, but it was not in service. 
I have no one to discuss this with, and no choice in the matter it would appear. In the past, this would not have been a concern, but I find this situation alarming. I have worked in XXXX XXXX for many years and realize the serious value of RESPA, and do not want to work with a lender who makes it blatantly clear at the outset they have no intention of protecting my rights. 
Please let me know if there is anyone who can assist me in this matter. 
Best Regards, XXXX XXXX
Consumer complaint received 2024-02-16
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. (OK)

I hope this letter finds you well. I am writing to follow up on my previous dispute regarding certain inaccuracies in my credit report, which I brought to your attention.. I must emphasize the critical importance of ensuring that the information reported on my credit file is not only updated but also fair and accurate, as stated by federal law. 15 U.S.C. 1681 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in individuals ' credit reports. It is important that the updated information reflects the most accurate representation of my credit history to avoid any negative impact on my financial standing. Under 15 U.S.C. 6802 of the GLBA, I am entitled to full transparency regarding the disclosure of my personal information and the entities with whom it is shared. Therefore, I request documentation proving that I provided explicit consent for the inclusion of the updated information in my credit report, as required by law. Furthermore, according to Section 15 U.S.C. 1681s-2 of the FCRA, upon receiving a consumer dispute, consumer reporting agencies must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. It is important that this process is followed diligently to ensure the fairness and accuracy of my credit report
Consumer complaint received 2022-05-20
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. (PA)

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

XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX, Account NumbeXXXX : XXXX, has violated my rights. 
XXXX. XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 
XXXX. XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (OH)

Initial phone call from them they refused to accept partial monthly payments they would only accept payment in full or a payment plan of 1/2 the balance one month the other 1/2 the next month. I tried to set up payment arrangements they refused. They didn't even send a initial letter informing me that they were handling my medical bill. I ask about that and they said they send only one. I told them I would pay what I could. Then I get another call on XX/XX/11 from someone different and they actually agreed to accept my bi weekly payments of {$40.00} for eight months. Then I get another call today when I called back the man said that I had no payment arrangements on file. I told him who I spoke to and he said that he could see that but no arrangements were made. When i told him i would be making bi-weekly payment for 8 months He said that is a verbal arrangement and we do not accept verbal arrangements unless I give them my credit card or bank account information. I told him that wasn't want I was told yesterday and I am not going to do that. I will continue to make my arrangements and do not call me again unless I don't pay.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

After reviewing my credit reports I noticed that it was an account from XXXX reporting negative on my report. I reached out to XXXX on multiple occasions to get more clarification on this billing error, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice or proper disclosure with my option/right to opt out of reporting any PRIVATE NON-PUBLIC information without my written consent in the first place. 
I have attempted to get proper documentary evidence for clarification of the billing error or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the documentary evidence that I owe them anything and this isn't a billing error ; along with proof that proper discloser was provided to me of my right to opt out of my private information being reported to non affiliated third parties. 
I have also notified the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

These addresses should not be reporting to my credit report as this is inaccurate information and I have requested this information to be removed 90 days ago. 



XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-05-05
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. (CT)

On XX/XX/XXXX someone took out a personal loan in my name in the amount of XXXX i noticed this on my credit report around XX/XX/XXXX and sent a letter with my FTC report asking the credit company to either block or remove the fraudulent account because it is affecting me from receiving credit. the company has refused to remove or block the account from my credit report.
Consumer complaint received 2022-10-12
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. (NC)

After reviewing my credit reports I noticed that it was an account from XXXX reporting negative on my report. I reached out to XXXX on multiple occasions to get more clarification on this billing error, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice or proper disclosure with my option/right to opt out of reporting any PRIVATE NON-PUBLIC information without my written consent in the first place. 
I have attempted to get proper documentary evidence for clarification of the billing error or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the documentary evidence that I owe them anything and this isn't a billing error ; along with proof that proper discloser was provided to me of my right to opt out of my private information being reported to non affiliated third parties. 
I have also notified the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/2019 my account was closed. I received a notice in XX/XX/XXXX stating my account was closed due to a recent check of my credit score. My account was paid in full and was not delinquent. I was not given the option to protest or object. I called the number provided which said please contact this number if you have any questions about this letter. Once I called the number I was told to contact XXXX and ask them about my credit score. The problem isn't my credit score. The problem is I have had this card for more than a year and I was making payments on time and it was closed once it was paid off without my knowledge. I asked if I could have the terms that I agreed to when first signing up for the card. I was told I would be sent the terms and later I received another letter stating they could not provide terms for a closed paid in full account. I was once again told to contact XXXX XXXX and to try to apply for a new card so I could see the terms. I was told these were the only two ways I could see the terms that I agreed to. If my card can be closed there should be accessible terms and agreements for me to view that state that this is a what I agreed to when I signed up for the card.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX : {$790.00} ; XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2021 hackers withdrew {$250.00} from my Bank of America account that I did not authorize. The individuals who withdrew this money immediately spent this money on fraudulent transactions and began to make further attempts to withdraw money and initiate more fraudulent transactions. Luckily, I was able to lock my account from further withdrawals from Bank of America. 

I filed a dispute with Bank of America on XX/XX/2021 to reverse this transaction. After almost a month they closed the dispute and I have been unavailable to speak on the phone to discuss this futher.
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-20
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. (VA)

The Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights unde

r 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii )
. The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries : 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
Consumer complaint received 2022-05-20
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)

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

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

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (NY)

I had a credit card opened fraudulently in XX/XX/XXXX. I called the company to inquire on this and report that it had been the result of identity theft. As a result, they closed the card XX/XX/2019. Unfortunately, they are still reporting a balance and, even though the account is closed, say I'm missing payments and dinging my credit report. I've tried making payments just so it doesn't report as late and ding my score, but they still keep reporting it.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: RRD Financial LLC (VA)

I have been paying the car until now with a few days late, the people at the bank are very rude, last month I paid XXXX dollars for the delay and it had not been more than a month on the same day they sent the tow truck and me They took the car when I had already paid for it, now it is only one day late and they are calling me at XXXX XXXX in the morning and when they are only 7 days late they turn off the car I pay XXXX dollars when they are 7 days late and I have to pay XXXX every 15 days they give me a terrible service I have asked for help to try to make a new contract and pay the monthly car and they do not want to accept I need help for a new contract or return the car without damaging my credit Name of the company RRD FINANCIAL