davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IN)

XXXX of XXXX I were XXXX and missed work and later upon returning I lost my employment, I communicated to mortgage lender USBank and were greeted with forbearance program. In speaking with them i shared i am responsible for insurance and taxes. USBank representative stated they will take care of taxes to protect their own investment and shared i will need to keep insurance. Time continued and I had job challenges and continued with hardship with myself or XXXX  of my XXXX  children and XXXX difficulties but with blessing of forbearance I were able to keep bills caught up besides mortgage and property taxes. I became gainfully employed at a much better job in XX/XX/XXXX and in XXXX of XXXX I called USBank to reestablish mortgage payment and were given three options.

# 1 pay full amount of monies owed during forbearance.

# 2 pay half of monies owed and agree payment of remaining attached to mortgage payments.

# 3 wait till XXXX for forbearance to end and file XXXX to request putting monies be added to end of mortgage. 
XXXX I sent XXXX and it were denied due to incomplete. I called and gained information needed to complete XXXX. Now we are at the end of XX/XX/XXXX and I Re-Submit XXXX and mailed Certified mail. I received notification of denied due to no records of it being sent. 
I then Call and am told XXXX XXXX to them, XX/XX/XXXX I did so and USBank stated not received. 
I XXXX XXXX to XXXX Indiana to USBank facility and loan officer emails XXXX. This were denied due to bank statements too old. 
I drive back to XXXX and XXXX XXXX with updated bank statements and this were accepted XX/XX/XXXX. I call numerous times and speak asking info and typically transferred or drop call and continue to follow up on XXXX. 
I get a call from USBank on XXXX  XXXX telling me I have two choices # XXXX pay XXXX in full by XX/XX/XXXX # XXXX short sell. 
I am baffled. I have had hardship after hardship and kept in communication with USBank. I am a single father of twins in school and have become injured at work and needed two XXXX  with one being rather XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know the monies are my responsibility but if put at end of mortgage I would have no issues. I am told credit report isnt good and USBank can not assist. My credit has a payed off issue from USBank credit card that is not being removed. I do have income that can meet my financial responsibilities yet USBank will not speak to me of it.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite XXXX  written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CT)

In the month of XXXX XXXX. I was contacted by lexington law who informed me about a discount for service I gave them my debit card number. When I check how money was token off my account it was the full price. I immediately contacted lexington law and decline service. Another month pass by. I contacted lexington law and made a inquiry and found out they didn't provide me with any services and inform me they will refund me in a check because the debit card number on my account changed. Months went buy I contacted them on XX/XX/XXXX, and decline the refund saying the money was sent to the debit card number that was changed.
Consumer complaint received 2022-04-21
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. (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 Acct # XXXX has violated my rights. 
XXXX XXXX NA -Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without written consent.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank took over AAA visa. They began sending me late notices without ever sending me a bill. They called me to tell me I was late as well but still never sent a bill. If they remove the negative credit report and fees I will pay them off. They are awful and non-responsive.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (HI)

I have been receiving emails and spam calls from this debt collector for over a year.I don't have the exact date the calls or emails started, but I have records upon records of up to 12 phone calls a day, usually beginning minutes past XXXXXXXX XXXX. Today they called me 12 times. I have an application that blocks the calls but I am still able to see how many times and what time they contacted me. The debt agency is Westlake Portfolio Management.
Consumer complaint received 2022-04-21
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)

PURSUANT TO 15USC1666B THERE IS NO SUCH THING AS A LATE PAYMENT!

PURSUANT TO 15USC1666D THE ALLEGED CREDITOR FAILED TO CREDIT MY CONSUMER ACCOUNT!

PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( A ( i ) SUBSECTION ( d ) CONSUMER REPORT SUBSECTION- ( 2 ) EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE -- -- - ( A ) subject to section 1681s-3 of this title, and -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; YOU ARE NOW WILLFULLY NON COMPLYING WITH THE LAW!

Pursuant to 15USC 1692g I have the right to request the method of verification on how the following accounts are being reported. 
Please send the following information used to verify the validity of 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 Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If you could not produce such docs within 15 days you should delete the accounts from my report to prevent further damage. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

PURSUANT TO 15USC1666B THERE IS NO SUCH THING AS A LATE PAYMENT!

PURSUANT TO 15USC1666D THE ALLEGED CREDITOR FAILED TO CREDIT MY CONSUMER ACCOUNT!

PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( A ( i ) SUBSECTION ( d ) CONSUMER REPORT SUBSECTION- ( 2 ) EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE -- -- - ( A ) subject to section 1681s-3 of this title, and -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; YOU ARE NOW WILLFULLY NON COMPLYING WITH THE LAW!

Pursuant to 15USC 1692g I have the right to request the method of verification on how the following accounts are being reported. 
Please send the following information used to verify the validity of 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 Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If you could not produce such docs within 15 days you should delete the accounts from my report to prevent further damage. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2022-04-21
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-21
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. (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 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 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 a account without written consent.
Consumer complaint received 2022-04-21
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 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 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 a account without written consent.
Consumer complaint received 2022-04-21
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. (FL)

I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( EXPERIAN, XXXX, XXXX ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.
Consumer complaint received 2022-04-21
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions XXXX XXXX Inquiry : XXXX. XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Motorcycles & Bicycle Sales/Svc ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/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 2024-04-18
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. (TN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and are respect for the consumers right to privacy. 
XXXX and XXXX and TransUnion are consumer reporting agencies. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whomitrelates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion on that my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and TransUnion Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to another affiliated third party unlessthe consumer is given an explanation to add my discloser ( Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC1681C ( a ) ( 5 ) states, Except as authorized under subsection b 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 ante dates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) A states '' 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.15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. XXXX and XXXX, TransUnion are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right too opt out at anytime. " I am opting out of your reporting services.
Consumer complaint received 2022-04-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Consumer complaint received 2024-06-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

I opened a car loan with Automotive Credit Corp. XXXX XXXX XXXX I believe it was in XX/XX/XXXX. By XX/XX/XXXX my insurance paid off the loan with leaving a balance of {$480.00}. 
Automotive Credit Corp was my XXXX  insurance carrier as well as my finance company for my vehicle. I went round and round with people there in regards to paying my {$480.00} balance on my loan off. I was exhausted going back and forth for months with them over my balance. I'm sure they have a copy of the XXXX documents and I wish they would provide again if they deny my claim. I still today deal with their unstable and unethical way of doing business. They have gone out of their way to make me go the extra mile of fixing my credit. Over the years now the balance went from {$480.00} to {$1100.00}. 
This change somewhere between XX/XX/XXXX and XX/XX/XXXX. The {$480.00} XXXX insurance shouldve paid it off in XXXX. I am requesting for them to show my loan paid off and if there is any damage charges that they would have to pay for doing this to me for years would put a smile on my face. I do have copies of the emails and will provide them when they reply. ( I need time to dig them out ) The payment dates are wrong and very destroying to my credit.