davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (CA)

XXXX account XXXX derogatory trade dated XX/XX/year>. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a 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 whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( 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 antedates the report by more than seven years. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by XXXX, TransUnion and XXXX for over two weeks now. I previously had fraud alerts removed from the other two agencies, TransUnion and XXXX  and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. XXXX refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by XXXX but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by XXXX and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I recently pulled my consumer credit report provided by Experian and I found a number of unauthorized items on my report that Experian has shown blatant disregard for the FCRA laws by including it in my consumer report.
Consumer complaint received 2023-03-10
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I have a rate locked in with Caliber Home Loans for a refinance. This was done in mid XX/XX/2020. 

The rate lock expired XX/XX/2020, the terms were changed by Caliber after the rate lock expired and they have since provided 3 different loan disclosures with different terms. 
- {$11000.00} in closing costs, vs. the original {$97.00} - {$8000.00} in closing costs, vs. the original {$97.00} - in an email, then reduced to {$5000.00} vs original {$97.00} Leading up to the rate lock expiration date, I have followed up several times by email, that the rate lock was expiring and how much longer it was taking to close the loan. I had provided all documents on time always. 

They changed their terms after the fact.
Consumer complaint received 2022-08-17
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. (FL)

CFPB and Transunion This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX  ) - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.
Consumer complaint received 2021-07-16
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: DISCOVER BANK (CT)

Discover credit claims there is a late payment on my credit but did not provide proper transactional documentation..only randomized dates and various amounts that didnt show any time of payment history or anything of this nature
Consumer complaint received 2022-03-16
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. (TX)

I owed US Dept Of ED {$1300.00}. Upon applying for a home loan I was advised to take care of this debt. I called them XX/XX/XXXX and was told they couldn't accept full payment due to an error within their system. They offered to settle for {$1100.00} and i agreed and paid over the phone. I received email confirmations of account status and confirmation of payment. 
As of XX/XX/XXXX they are reporting a balance of {$200.00} on the account. I called and confirmed my payment status but was told there was an error with their system and no other explanation why a balance is reporting.
Consumer complaint received 2019-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I have a XXXX XXXX XXXX in the process of being treated. I'm an XXXX  XXXX technically XXXX XXXX, have been having a XXXX XXXX preventing me from working. I get no paid time off. Spoke to a Navient customer representative on XX/XX/19 to explain my circumstances and inability to repay, as well as offering to submit proper medical documents needed. He was demanding repayment and stated there is nothing that can be worked out. As a result my credit is ruined and interest accrued {$7000.00}. I need assistance with this issue as nothing is being resolved with communication with Navient the lender.
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Celsius US Holding LLC (OH)

I had {$18000.00} in XXXX XXXX Celsius, but they blocked my access to my money because they are having insolvency/liquidity issues. 

XXXX XXXX the CEO of Celsius has released several misleading and inaccurate statement regarding the solvency and safety of storing money with Celsius.
Consumer complaint received 2020-08-01
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: Experian Information Solutions Inc. (NE)

The credit bureau is reporting a Chapter XXXX Bankruptcy on my credit report. This is not my account. I have disputed to with the credit bureau several times. XXXX XXXXemoved the chapter XXXX bankruptcy from my credit report. This is a violation of the Fair Credit Report Act.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-08-17
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)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MECHANICS BANK (CA)

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I have a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with all payments. The payment that was missed on XXXX of XXXX and XXXX of XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is also hurting my financial reputation making it harder for me and my child.
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (IN)

Genesis FS Card services through XXXX XXXX immediately starts calling XXXX XXXX  when you are past due on your payment. They call from a bunch of random numbers. They call as early as XXXX AM and as late as XXXX PM. They call at least XXXX times a day. They are calling my business line and my personal line. They call so much they are knocking important numbers out of my phone that I barely get a chance to save. NONE of my creditors call 1 day past due. XXXX days I get that. But as much as they call. I block numbers and they call from other numbers. They will even call from a number thats in the area you live in to try to get you to answer a call. XXXX over sick of this. I am currently 5 days passed my due date and they have called at least XXXX times already. I will never ever do XXXX with any of these XXXX  again.
Consumer complaint received 2023-03-10
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. (NY)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX F Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  NY XXXX XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Number : XXXX Delete this account.
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (GA)

Im process of buying a house and got a notification that a new collection account from XXXX XXXX XXXX # XXXX has been placed on my account. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX and never had XXXX XXXX XXXX. It appears someone in the building compromised my identity. Please remove this account.
Consumer complaint received 2024-02-08
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)

Creditor Name : XXXX XXXX Subject : Fair Credit Reporting Act, Section 611 I am writing this letter regarding payments that were marked late by XXXX XXXX for the following accounts on the following date ( XXXX ) : XXXX XXXX Acct : XXXX Amount : {$960.00} This is inaccurate since this account is at a XXXX balance. Therefore, I am requesting this inaccurate report be removed from my credit profile immediately. It is my understanding per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the company ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me only. Furthermore, I am requesting that you provide me in writing the reasonable procedures according to 15 USC 1666 ( b ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include all the information required by Section 1637 ( b ) of Title 15.

If you dont provide this information in the allotted time given, then I am requesting you remove the late payments from my consumer report with the following consumer reporting agencies XXXX XXXX Experian XXXX XXXX XXXX
Consumer complaint received 2021-07-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Westlake Services, LLC (CT)

XX/XX/2021 i received email saying go to car dealer you approve XX/XX/2021 this is what happen to me Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX This Company Provide car loan to peoples that has low credit scores, The are connected to XXXX a web site that advertise cars for sale, On the site it show a pre approve letter it sends to your email show that you are pre approve and tell to contact the dealer, I found out this False advertising, and they was just giving me the run around saying i need this and multi different thing which i allready had gave the dealer, I was willing to put a down payment of half the car price, Maybe they do not work with XXXX-American and they are treated different, I I never been so humiliated in my life by westlake. they could see my bank statement That i could pay for the car in cash no financing. They wanted my physical bank account number with all my financial information expose to the dealer employees, I could not help for thinking that westlake or the Dealer going clean my bank account out, Horrible
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (AR)

I received my background report from First Advantage through XXXX for pre-hire. 'Felony and misdemeanor ' out of XXXX XXXX AR is inaccurate and incomplete. This 'charge ' has been abandoned and should actually not even be negatively reported, whatsoever, and affect myself negatively being that the inaccuracies and incompleteness that were reported where not reported by me but affect me negatively ... ... .The 'Case date ', 'Disposition ', and 'Disposition date ' are incomplete/inaccurate and seem to been done hurriedly and shotie. The disposition date is the same as the case date, but there has been no disposition date nor will there ever be a plea of guilt or innocence. And under 'disposition ' where 'guilty ' should reside ; it states 'pending court date not available '. This should actually ( in my eyes XXXX be illegal to be reported as it has been, seeing that definatives have been switched intentionally to 'lock down ' a final negative report of a charge that I have never been convicted of. If you can help myself on my report and? reissuance to XXXX? it would benefit me for the future.
Consumer complaint received 2021-07-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc. (SC)

NCB Management Services violated I the natural person XXXX XXXX by sending me a letter stating that I owe a debt that I have no knowledge of. I have never entered any agreement with NCB Management and there were several violations that were committed on the the letter that I received from them that I will attach. They have went to the extent of reporting this debt to consumer agencies and damaging my report which is illegal and unlawful.
Consumer complaint received 2022-08-17
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!