davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (OH)

Ive sent a letter to the the XXXX major credit bureaus ( XXXX, XXXX and Experian ) on XX/XX/2022 containing United States Law. These U.S codes contain and states information containing the proper use and rights of a consumers credit. The Credit bureaus didnt act and respond to the letter. As well, I was a victim of Fraud due to an XXXX XXXX resulting in my SSN card being lost. Ive sent my FTC report to the bureaus, to suppress the damages again resulting in no action. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. Experian, XXXX and Experian 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-04-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not initiated any transaction with XXXX XXXX via XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Best regards, XXXX XXXX cc : CFPB XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (SC)

in accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX XXXX XXXX- {$560.00} XXXX XXXX XXXX- {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-18
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. (SC)

in accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX XXXX XXXX- {$560.00} XXXX XXXX XXXX- {$1400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-18
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 to 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 XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.
Consumer complaint received 2022-04-18
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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

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 Type this out exactly in this box of you want to input your info and remove instructional verbiage
Consumer complaint received 2022-04-18
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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

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 Type this out exactly in this box of you want to input your info and remove instructional verbiage
Consumer complaint received 2021-02-19
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. (IL)

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX CO XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.
Consumer complaint received 2021-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I have tried to dispute online and by phone about wrong addresses reporting on my credit profile, there should only be one address on my credit profile which is my current addresses. Experian keep telling me I can't dispute addresses I never lived at. The fair credit act states that I have the right to dispute incorrect information on my credit report. Experian has told me to reach out to the data furnisher also known as the creditor to dispute the incorrect addresses. I have done that and the creditor tells me to contact Experian but they give me the run around and nothing gets done. I do not want just another automated message, I want it full investigated
Consumer complaint received 2022-04-18
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 un

der 15 USC 1681. List the account name here with the account # ( Do not list over 5 accounts and 6 inquirie
s ) - XXXX XXXX XXXX # Account # has violated my rights. 
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.

Type this out exactly in this box of you want to input your info and remove instructional verbiage
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

On XX/XX/XXXX my mother XXXX XXXX XXXX passed away leaving me the home. My mother left me all the proper documents awarding me the home in the event of her passing, I XXXX XXXX am the XXXX of the XXXX XXXX, successor Trustee of the XXXX XXXX XXXX dated XX/XX/XXXX Then was granted title and ownership of the home located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX I also posses all letter of administration as the successor to the property Including Affidavit- Death of Trustees Including Last will and Testament. 

Since my mothers passing I have been in touch with Fay Servicing to assume the loan thru a loan modification or repayment plan. Since then, Fay Servicing has had multiple foreclosure sale dates on the property regardless of my day in and day out of working with them to resolve this issue. I have submitted for a XXXX XXXX XXXX XXXX with Fay servicing at least XXXX to XXXX times and each time they deny the loan for different reasons. 

Most recent, we submitted for loan assistance on XXXX On XX/XX/XXXX we received a letter stating they had received our COMPLETE LOSS MITIGATION APPLICATION and my file was under review, On XX/XX/XXXX I spoke to Fay Servicing where they had advised the file was declined for assistance, no reason as to why was given they had advised us to wait for the letter in order to appeal the decision. 

The denial letter was never received as stated it was sent by Fay Servicing, I called XXXX XXXX XXXX Assigned Relationship XXXX with Fay Servicing ) she stated she would look into the matter and get back to us, XXXX XXXX XXXX did not provide us the reason for denial until today XX/XX/XXXX she also mentioned we only had 14 days to appeal the decision and with foreclosure being set for XX/XX/XXXX there is nothing they can and foreclosure will continue on this date. 

During the period of XX/XX/XXXX till date of XX/XX/XXXX we placed at least XXXX call to XXXX XXXX at XXXX XXXX ) XXXX and to her XXXX XXXX XXXX at XXXX XXXX never to receive a call back until we where passed our time frame to appeal the decision, I feel this was done purposely in order for Fay Servicing to foreclose on my home. 

I feel Fay Servicing purposely kept us in the dark and falsely declined my XXXX submissions for assistance in order to foreclose on my home, Also believe Fay servicing engaged in dual tracking while I was actively trying to seek mortgage assistance on my home. Case and point the foreclosure date of XX/XX/XXXX was active the entire time I was in review. 

I ask the CFPB to look into Dual Tracking and Illegal practices performed by Fay Servicing to foreclose on my home I intend to file suit against Fay Servicing. 

Please help!
Consumer complaint received 2022-04-18
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. 
List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
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. 
Type this out exactly in this box of you want to input your info and remove instructional verbiage
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Credit Reporting act THESE Accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *15 USC 1681 Section 602a states I have the right to privacy.

*15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-04-18
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. (MO)

In XXXX with the Fair Credit Reporting act THESE Accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX15 USC 1681 Section 602a states I have the right to privacy.

*15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

XXXX XXXX IS REFUSING TO POST MY PAYMENT I MADE XXXX WEEKS AGO PLAYING FLOAT GAMES. I WANT THEM SHUT DOWN IMMEDIATELY. ILLEGAL. DISCRIMINATION AGAINST XXXX CLIENT. I AM SUING YOU.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hello CFPB, I had three accounts with XXXX XXXX XXXX XXXX which I have paid in full however Experian, XXXX and XXXX continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you
Consumer complaint received 2021-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$12000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$16000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC (CA)

In XX/XX/XXXX I signed up for an account with Americor after seeing their ads saying they could help me handle my credit card debt. Long story short, my first wife passed away in XXXX, and I had to leave my job at the time and take a 70 % pay cut to care for my XXXX young children. I eventually was able to get my income back to normal, but in the process took on about {$80000.00} in credit card debt. 

I requested Americor 's help with this, and during the intake process they seemed legitimate and helpful. 

Unfortunately, though, as it turned out there were two MAJOR misrepresentations they made, which completely invalidated any benefit I could have received, and that they absolutely lied to me about during the signup process. I would NEVER have signed up if I had received this information clearly during the process. 

False claim # 1 : After 12 months of payments they would lend me the funds to fully pay off my creditors. 
When signing up, I was told both verbally and in writing that after 12 months of on-time payments, Americor would arrange a loan to fully pay off my creditors. This was false. DEEP in the fine print of their agreement, and contradicted by the verbal statements of their staff, they reserved the right to require me to pay them for 29 months before offering the loan, not 12. 

False claim # 2 : They would provide me a loan at a reasonable interest rate. 
Then when I finally got close to the much longer number of payments, I reached out to arrange the loan, only to find out that the loan interest rate was an incredible 24 % higher than ANY of the credit cards I had enrolled! 

It's easy to negotiate a credit card settlement on your own. The only real value-add for this group would be the loan, and I've come to find out it actually has no value to me, despite all the assurances I got during the signup process. 

Ultimately I was charged over {$9000.00} in fees for essentially receiving XXXX value. I repeatedly emailed and called Americor to try and find a solution, but they have never emailed me back on this, and when I requested a call from a manager, they simply never called. 

I have also filed a complaint with the FTC for false advertising. I also reached out to the CEO and COO of Americor directly via XXXX, but have gotten no response. I'm hopeful that a CFPB complaint will get their attention, or if not I may be forced to file a lawsuit to recover my fees and the funds they are holding on my account ( over {$19000.00} total ). 

Please understand that beyond the financial damage, the fact that my credit has been destroyed for over 2 years ( when Americor promised it would begin recovering after 1 year ) has been an additional hardship for my family. We struggled to find a home to rent, and we're greatly overpaying for our vehicles due to my poor credit score.

Attached file is a statement from " Reliant '' who processes these transactions on behalf of Americor.
Consumer complaint received 2022-04-18
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. (LA)

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. 
Account # XXXX XXXX XXXX XXXX with XXXX late payments XX/XX/XXXX, XX/XX/XXXX. 
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