davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (PA)

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/year> I notified XXXX XXXX that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services. 

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with XXXX XXXX 

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that XXXX XXXX has continued to furnish my non public personal information to nonaffiliated 3rd parties and consumer reporting agencies without my consent. 

The unauthorized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like me. 

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by XXXX XXXX. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation. 

see enclosed letter sent to the XXXX XXXX XXXX
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to the Fair Credit Reporting act, the following creditors have violated my rights. 

XXXX. XXXX XXXX XXXX/ {$510.00} XXXX. XXXX XXXX XXXX XXXX # XXXX/ {$630.00} XXXX. XXXX XXXX XXXX # XXXX/ {$940.00} XXXX. XXXX XXXX XXXX # XXXX/ {$990.00} XXXX. XXXX XXXX # XXXX / {$900.00} 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 2020-02-01
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: Clarity Services (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-07
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. (TX)

I contacted the collection agency and credit barrior cause i noticed accounts in collections that were not mine i expleined that i had never requested service from this lenders they adviced to file a pomice report for identedy thef wich i did the amount from collection agency called XXXX and XXXX is for the amount of {$72000.00} a very high amount i was told it was for service for my daugther named XXXX XXXX i explained that dont have a daugther named cristal but that didnt help a lot i been trying to get them to investigate and conpare signatures but no luck
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (ID)

I was reviewing my credit card statement after I had paid off two of my promotional offers before the expired time that would prevent me from having to pay interest on the balances. Upon reviewing the credit card statement which should of had a XXXX balance I noticed I have been getting charged interest. I had contacted the customer service agent and inquired as to what I am paying interest for and was told that I had a charge back in XXXX that expired the promotional time. I had notes on one of my statements from XXXX of XXXX as to where I had talked to an customer service agent and was told about this charge. I was told if I paid the balance off of the older charge there would be not further interest charged it was {$330.00}. So I had paid that amount off at that time. Due to this matter once again at the present time I started reviewing my statements and have noticed that on the statement there is no information of the balance I am paying interest on and just the interest amount was shown on the statement. I also noticed that the payments I have been making all this time was going to the last purchase made instead of the oldest transaction. I have been told many times by customer service representatives that my payments that I make on the account always goes to the oldest balance first. When I chatted with a customer service representative they said my balance still owing is {$580.00} back in XXXX and that I am paying interest on that amount. I told them the amounts were not adding up due to it was 2 years ago and should have been paid off by now due to it being the latest charge. The person that I chatted with I could tell they got frustrated and let the chat time out. Looking further into my statements trying to find this purchase is when I noticed it wasn't even on the statement just the interest charge. Then looking further into my payments being made and what they are being applied to on my balances I owe that all of my payments I am making are not being applied to my balances nor the interest. So I want to know where the portion of my payment is going if not on the balance or the interest owed. I have contacted customer service numerous times and due to the frustration of the agents my calls were disconnected. So I feel that they can see all the information of the transactions and my statement is lacking information. This problem is so frustrating that I hope the company will address this matter to see if they are having issues with their programs. Or edit their statements so the customers can actually see what their payments are being applied to.
Consumer complaint received 2022-03-07
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. (CA)

I reached out to XXXX, Experian, and XXXX regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Modlin Slinsky, P.A. (FL)

This compliant file against the law frim of Molding & Slinsky, PA XXXX XXXX corporate office in XXXX FL. Who is the represent of XXXX XXXX XXXX Here are the fact XXXX XXXX is a company were the member had to pay a member duties of XXXX per year. card number XXXX is a gold card. XXXX XXXX NO reason the closel the card base on these fact that they request financial statement for the year XXXX and give the client just 15 day to send the finical report to them. the client could not produce the financial base on the fact that CPA was out commission for a year. XXXX XXXX just had bill the client the card for XXXX membership fee. which in fact that shall be refund back the client. the client have never missed any monthly payment or late that XXXX XXXX request over since the card was issue back in XXXX. the evidence will show that there are two card that  have a XXXX per card per year membership fee. Which is XXXX that XXXX XXXX just bill the client for. XXXX XXXX need to refund those charge. and this account is not past due on the second card number is XXXX but XXXX XXXX failed to put that card in collection why? we just pay then on or about XX/XX/XXXX for amount of XXXX and the pay ment was XXXX and pay them on XXXX XXXX XXXX forXXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX which is XXXX in one month. CFPB need to invesgatin XXXX XXXX for take there client money and then close there account. that unfair practice. please have XXXX XXXX to produce and presented a validate document of this debt by a sign date personals Guarantee by  the owner of a LLC.
Consumer complaint received 2022-03-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (KY)

The company has sent us an increase in our escrow for no apparent reason. Our home owners insurance went down this past year and our property tax only increase by a {$100.00} or so and they say we are over {$800.00} short for the year.
Consumer complaint received 2020-12-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I would like to request that the following inaccurate items be investigated. These items are not correct and are having a negative effect on my score because of their derogatory information. The Fair Credit Reporting Act gives you 30 days to investigate these items. Please do so, and correct all negative information from my credit file. The items that need to be investigated are as follows : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Google Compare Credit Cards Inc. (CA)

I purchased a Google Play gift card online. Upon redeeming the card into my Google Play digital wallet, I receive the following : We need more info to redeem your card. 

The following link takes me to a form to fill out some information to be sent for review. However, this process is completely automated and does not yield any results. 

It is fraudulent for Google to happily sell you a Google Play card then arbitrarily refuse to let you redeem it into your wallet balance.
Consumer complaint received 2022-07-24
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: SECURITY FINANCE CORP (GA)

This was a charge off account from security finance in XXXX ga XXXX, I've repeatedly called them and tried to pay it off but they say the accounts closed and written off, but yet they keep hitting my credit with late fee charges,
Consumer complaint received 2022-06-20
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, XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602a and 602b. States that I have the right to privacy and accuracy within my credit report.

15 U.S.C 1681 section 604a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 

on XXXX XXXX I sent letters to Transunion , XXXX and XXXX about inaccurate information that was in my credit report and as of today Monday XXXX XXXX the inaccurate information is still present in my credit report.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

It has come to my attention that AMERICAN EXPRESS has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an adverse action pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the consumer credit transaction using my credit card pursuant to 15 USC 1602 ( L ) making AMERICAN EXPRESS an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means AMERICAN EXPRESS benefitted from the transaction. I am the one who extended credit through the credit application. AMERICAN EXPRESS used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. AMERICAN EXPRESS is civilly liable for violations of TILA pursuant to 15 USC 1640. AMERICAN EXPRESS is civilly liable for violations of ECOA pursuant to 15 USC 1691e. 
I DEMAND the credit applied for to be approved and to operate the account in open ended status. I demand my card be mailed to the location information provided.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-12-19
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. (CA)

I am a veteran who uses XXXX 's free credit monitoring service. On XX/XX/2018, I received an email from XXXX that my credit report had changed. I logged in to see an inquiry from " EXPERIAN XXXX XXXX  '', posted on XX/XX/2018. I have no business with such an entity and did not authorize it. I also noticed an identical one on XX/XX/2018 that I also did not authorize. I called the phone number indicated and it turned out to be a XXXX number. They transferred me to Experian. I was transferred 3 times by Experian, each time having to give my full SSN, DOB, address, etc. Each time, after all that, no one knew what to do. I asked to speak to a supervisor and was place on a terminal hold, where I remain right now as I am typing this. Furiously.
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (NV)

This is the second time that I have had to do a police report because the credit bureaus keep allowing someone to open accounts in my name. I had my car stolen with all my personal info in it about 4 years ago and ever since then someone keeps doing this. I mailed everything the credit bureau asked me to mail to them as proof and they only took off one or two of the accounts not all of them. Also two of my credit cards are showing as more than 30 days late and they were not. I sent in receipts and my bank statement as proof they were paid on time and they are still showing late on my reports.
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Federal Reserve Team, My mortage which was serviced by Bank of America was just recently sold to XXXX XXXX. I was given a notice in XXXX that I should no longer make payments to Bank of American but rather that XXXX ( the new servicer ) would contact me to start making my monthly mortgage payments. 

When Bank of America sold the mortgage, it incorrectly shared information with XXXX XXXX that I did not make payments ( {$4000.00} ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have both a deposit receipts ( {$4000.00} ) form Bank of America ( branch deposit slip ) as well as a summary record from Bank of America confirming payments received in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$4000.00} each. 

When I tried making my very next mortgage payment ( I tried calling XXXX in XXXX but was told the account was not set up yet ) on XX/XX/XXXX, I received a letter from XXXX XXXX  that they will not accept any mortage payment until the entire past due amount ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) has been paid. 

We tried contact Bank of America to correct this mistake but are unable to reach or connect with them as their response is that they no longer service the loan, the loan has been sold and they can not assist any further. 

Whether this error was done by Bank of America my mistake or intentionally to sell a loan that was in good standing or whether this represents a pattern of fraud and abuse, we do not know. We would like for you to a. investigate this matter, b. help correct the issue at hand - as the impact and implications may result in further delinquency and default and c. and determine whether Bank of America has violated any laws, rules and/or regulations. 

I have paperwork and additional information as back up and will provide those when requested.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

ON XX/XX/2021 I CALLED XXXX XXXX TO FIND OUT WHY MY ACCOUNT HAD BEEN CLOSED ON XX/XX/2021, concerning XXXX XXXXXXXX Account number XXXX. This is my fourth time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.
Consumer complaint received 2018-12-15
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. (NY)

I filed a complaint against experience with your organization. Experian had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. Experian reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. Experian also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.
Consumer complaint received 2018-05-22
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: EQUIFAX, INC. (NJ)

I have submitted numerous disputes ( online, over the phone, at least 5 times in the year of XX/XX/XXXX), most recently XX/XX/XXXX ( via 609 letters ) regarding inaccurate information on my credit reports. Through these letters I have asked for proper documentation validating debts owed and have received nothing. When I've called, most recently XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to inquire about whom received this information in order to validate it, the supervisors informed me that they simply do not know and don't have access to that information.

Under the Fair Credit Reporting Act 15 USC 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of my requests concerning the accounts that are being reported in my credit report. While i have received a credit report stating these accounts are verified, i have YET to receive documents supporting such debt.