davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

The letters are stated with items and issues.

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 2023-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (LA)

Everyday i receive multiple calls about an account that is in dispute due violation of the FCRA regulations and compliance Conns apps calls my personal and cell and landline phone everyday at least XXXX time ever hour until almost XXXX at least 6 days out of the week i have asked them to Cease and desist on multiple occasions and they have not which is has now caused a negative impact on my job I have asked them on countless times to cease and desist all communication and they continue to Call personal phone my work cell my work phone Email and other members of my family and they call from multiple numbers this is pure harassment tactics
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

For three months Experian has reported incorrectly on balances that did not exist. One has been on report for three months straight. They are responsible for my credit score lowering from XXXX. I am furious and owe nothing except my mortgage.
Consumer complaint received 2023-02-28
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

We built our house in XXXX and we were paying our mortgage with no problem then my husband got sick and we had issues. Back in XXXX we missed a few payments of our mortgage and we tried to work with the mortgage company but they would not work with us. We went to a local company for help and went to a chapter XXXX. We couldn't afford the bankruptcy so we went to a chapter XXXX and our terrible attorney did not inform us that we could lose our car and property if we did not continue paying. 

We have applied for 10 modifications with no resolution! Our mortgage company would not let us pay at that point. We hired many attorneys and then after paying a lot of money we were told we need to sue our mortgage company but we did not have the money to hire a litigator. Before the XXXX of XXXX we tried for one last modification which legally is supposed to stop the foreclosure and the sale of the house but of course this powerful bank has hold on our city and our house was to be sold at auction. No one showed up so the mortgage company assumed it. We stressed the fact that my husband has XXXX and is in treatment and still working so we do have income coming in. The company we hired said we need to sue the mortgage company but we are financially strapped with no means of help towards it. Now we have to be out of our home and the amount of money we have to spend to move we could put toward our mortgage! The mortgage company foreclosed on us so our credit is shot! Which means trying to find a place to live is very difficult! We have tried to reach out to every agency here in XXXX NY and no-one would help us!! We have been turned away from every housing agency here. They told us to hire an attorney which we can not afford! We are frustrated and angry!
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. (TX)

I contacted XXXX on XX/XX/XXXXXXXX  to exercise my right to opt out of the disclosure of my nonpublic personal information to all third parties including consumer reporting agencies, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX  and XXXX. Per 15 U.S.C. 6802 and CFR 313. 

Reporting my personal information is also a violation of my rights under the Privacy Protection Act of 1974. 

This opt out is to be effective immediately and indefinitely. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ;
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. (GA)

XXXX is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer Experian has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Experian commission file number XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Experian is securitizing consumer data yet refuses to provide consumer a copy of their Consumer FILE not Consumer Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (SD)

I have a loan with Toyota. I successfully applied for a two-billing-cycle deferral and paid a XXXX dollar deferral fee. Toyota misapplied the fee and put it towards my lease balance after I sent them the requisite forms and agreed upon the deferral terms. Now they say I am past due and have negatively reported to the credit bureaus.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 604 a section 2, a Consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX, XXXX and Experian never received my verbal, non-verbal, written, implied or otherwise, consent to furnish this information. Under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I consumer XXXX XXXX sent a letter to Transunion requesting my consumer report, consumer file, and investigative file pursuant to 15USC1681.. on XX/XX/2021, I received a post card from Transunion requesting more information such as proof of address to verify my identity and address. I sent a copy of my drivers license, which has my current address and is unexpired, as well as my credit card ( 15usc1602 ( a ) ( l ) ). Therefore my identity and address has been verified. There should not be a need for an infringement into my privacy to send the requested documents ( consumer file, consumer report and investigative file. ) The address I mailed the letter from as well as the address I am requesting the files and report be mailed to is my mailing address. This is a direct violation of 15USC1681a ( a ) ( g ) and 15USC1681a ( a ) ( e ).
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize nor benefit from the following inquiries. According to the Fair Credit Reporting Act the following inquiries must be blocked and removed. 
XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2020
Consumer complaint received 2021-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (TX)

This was a XXXX vacation package from XXXX that I have never reaped or received benefits from. Our Attorney has confirmed this is a bogus/scam and the documents are in XXXX. The XXXX XXXX, XXXX, turned this over to a XXXX XXXX in California, Monterey Collection Services, and as of XX/XX/2020, this company reported to XXXX and was reflected on my XXXX Credit Report as a derogatory Account owing {$20000.00} and the amount increased to {$22000.00} the following month. 

I reported XXXX to the XXXX XXXX XXXX on XX/XX/2020 and the XXXX  was unable to locate the company or the company is no longer in business and therefore the XXXX has closed the complaint. 

XXXX needs to send a " Cease and Desist '' Letter to the the Collection Agency in California, Monterey Collection Services, and Monterey Collection Services and needs to take this off my XXXX Credit Report. 

Per my XXXX Report, as of XX/XX/2020 the Derogatory amount was reported as {$20000.00}. 
As of XX/XX/2020 the Derogatory amount was {$22000.00}.
Consumer complaint received 2023-02-18
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. (AR)

By filing this CFPB complaint, I formally request that the following accounts in my credit profile be updated because they seem to be somewhat deceptive and inaccurate. Please complete your investigation within 30 days in accordance with the Fair Credit Reporting Act 's requirements ( 15 USC section 1681i ), failing to do so will result in a violation and possible Federal Trade Commission investigation : XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$270.00}
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (CO)

Hello, The value of my home has increased substantially since we purchased 2 years ago. A nearly identical home across the street just sold for {$790000.00}. As of right now we owe {$520000.00}. That comes our to an equity value of more than 33 %. 

I contacted Arvest and aksed them to remove the PMI since we have equity far greater than 80 %. They sent a mailed document with directions I needed to follow ( hoops I need to jump through ) including proving where I added value to the home with receipts. I sent them an email 2 weeks ago with the address for the comparable property and told them there is no reason for me to jump through hoops for the removal of what amounts to a junk fee. 

They have not responded to my message. 

I need help getting this taken care of. They are adding well over {$100.00} per month to my mortgage for no reason when I clearly have good enough equity to avoid these fees. 

Thank you, XXXX XXXX
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. (NJ)

I am writing to dispute the following information in my file. 

Two XXXX XXXX accounts with the same account numbers XXXX are reporting inaccurately on my credit report with two different open dates, and credit limits. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 

Please investigate this matter and delete as soon as possible. 

Thank you.
Consumer complaint received 2024-01-09
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. (MA)

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. ( XXXX XXXX  XXXX ACCT #  XXXX  ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) 2. ( XXXX  XXXX XXXX XXXX ACCT # XXXX  ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) 3. ( XXXX XXXX XXXX ACCT # XXXX  ), Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you,
Consumer complaint received 2022-12-12
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: Avant Holding Company, Inc. (NJ)

AVANT LLC/XXXX XXXX Credit card XXXX XXXX XXXX of 2022 A personal credit card was taken out in my name using my social security number with an address i have never lived at. This is not me or my credit card.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (VA)

I contacted Newrez/Shellpoint mortgage on XX/XX/, 2021, to let them know my uncle passed away and sent them my uncle 's death certificate and our deed. I gave them my contact information and home address.. I requested a forbearance and they never replied to me. I called XXXX and asked to get information on the loan, they refused to give me any information on the loan because it was only under my uncle 's name, even though I was an owner on the deed. In XX/XX/ 2021, the payments stop because the Administrator of my uncle 's estate stop making payments and canceled the Homeowner 's insurance policy. Newrez/ Shellpoint Mortgage kept sending mail and notices to my uncle and his address even though they have known since XX/XX/2021, that he was deceased. They have now started the foreclosure process on my property and refused to give me any information I have requested and information regarding the status of the loan.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

After reviewing my consumer report I discovered errors and unauthorized accounts, accounts inwhich I did not opt in for late payments under the consumer law statues, nor did I authorized any third party to report any of the below accounts on my consumer report. I'm demanding the immediate removal of these accounts, they do not belong to me... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX