davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIBC BANCORP USA INC. (IN)

I've applied for a mortgage loan with CIBC Bank. I have been discriminated against on the basis of XXXX. There has also been discrimination, as it relates to my credit score. I filed a complaint with the bank, and no one has reached out to me. I've provided all requested items to the underwriter, and she will not clear my file to close. Each time I provide what has been requested, then she request additional items. The purchase price of the home is {$320000.00}. The Director of Underwriting, XXXX XXXX, stated that he was irritated with my loan. My file is approve/eligible, and I have the cash to close ; however, XXXX XXXX XXXX and his underwriter XXXX XXXX will not clear my file to close. I will be homeless in the next few days, as my apartment has been rented. I've expressed this to the bank, and it has fallen on XXXX XXXX. This bank 's discriminatory underwriting practices are blatant. They have already had a loan officer to leave, due to the fact of how minorities are treated, and discriminated against when applying for loans.
Consumer complaint received 2022-03-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reached out to the Bureau over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on my credit report.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (NY)

Today XX/XX/2022, I received a notification that my credit score went down on Experian, I logged into my account and do not see what company had reported something on my account. So I called Experian customer service phone number and I verify my information and I asked the rep if she can tell me what was the change on my account that made my score go down from XXXX to XXXX and the rep told me she cant give me any information and I need to hire or pay a Financial institution to get information about my credit report. I told her I was going to report the agency and put it up on social media because I cant believe that you are tell me I have to hire someone to get information about my credit report. I later found out that a company that I took a personal loan reported something on my account as derogatory on my credit after I resumed paying off the loan that I took out.
Consumer complaint received 2024-02-15
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. (NC)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-24
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Applied Data Finance, LLC (SC)

Personify Financial has sent a debt that is not mine, but part of identity theft to a debt collector. They have been calling me, my father, and friends and threatening to come to my job and arrest me. They also told my father I was writing bad checks and if he didn't pay they would arrest me. They threatened to put a lien on my grandmother 's home, and had my grandmother in the hospital due to almost having a XXXX XXXX because they lied to her! 
I received a voicemail today from them again, this time is stated : " Im with judicial Services. I've been instructed to contact you in regards to an active order of location that is being issued and filed due to avoided contact on your behalf they've instructed me to speak with your employer directly due to them wanting to have you processed their pay promise, with your home, or relatives homes as well at this point if you wish to avoid any further penalties. You need to contact the proceedings office that is filing your case once your case is been filed all of your legal rights to resolve this case will be forfeited permanently ... " they gave me the phone number XXXX to contact them and case number CD : XXXX, then notified me this was my legal notification about the case because they couldn't contact me. 
I told the man the first time he called that the debt was part of an identity theft case and not my debt and not to call me again. He has called 100s of times.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (MO)

I saw a pending charge to this account on my account in the amount of {$650.00} Which is inaccurate because I never authorized it and no one seems to know what it is. I was at XXXX XXXX on XX/XX/2022. The office stated they could not see it in their system. 
They proceeded to print out all of my bills from their office which did not include this charge showed on my account in the app. 
I have spoken with several of your customer service employees and still have not received an affidavit they said would arrive. I spoke with XXXX on Friday, XX/XX/2022 and she said to email the signed affidavit to XXXX. I spoke with XXXX on Monday XX/XX/2022 and was told in 2 business days to receive it. My informed mail delivery service shows an advertisement postcard from XXXX XXXX is arriving today so I spoke with XXXX this morning on your chat she said it will be emailed within 2 business days. So I emailed a screen shot of the fraudulent charge to XXXX. Ive received no response. I mailed a certified dispute letter including conversations with 3 different customer service employees, with a return receipt today to their address in XXXX and the card has been locked to stop any more fraudulent charges. I just want the error fixed. Maybe it was a typo but I didnt order any services or products for that dollar amount.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.
Consumer complaint received 2022-05-17
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: LEXISNEXIS (VA)

I contacted lexis nexis to dispute items they are reporting are inaccurate and they are providing this inaccurate information to the credit bureaus. They have refused to verify this information because they are unable to. I contacted the courts and they stated they did not provide any information to lexis nexis lexis nexis just search their portal so they dont no if its accurate or not.
Consumer complaint received 2022-03-24
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. (GA)

I mailed a letter to Experian, XXXX, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX, XXXX 2021. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have sent multiple letters to the credit bureau requesting to to investigate a inaccurate account reporting to my consumer file. XXXX XXXX XXXX is the account reporting. Along with the letters I also included a FTC identity theft report. I requested the credit bureau to identify and verify the information reflecting my credit report. I have not received any response or results from my request. It has now been months and I have received zero response. According to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, it is their duty to investigate verify any and all information reflecting the credit report. To date they have not done their duty as mandated by law. I am particularly concerned about the accuracy of the account information. I trust the Consumer Financial Protection Bureau will thoroughly investigate and address my concerns.
Consumer complaint received 2024-02-15
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. (SC)

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account Number:XXXX  XXXX XXXX XXXX XXXX Account NumberXXXX XXXX  XXXX - Account NumberXXXX XXXX  XXXX  XXXX XXXX  - Account Number:XXXX  XXXX XXXX XXXX  - Account Number:XXXX  XXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX XXXX  - Account Number:XXXX XXXX  XXXX XXXX - Account NumberXXXX XXXX XXXX XXXX Account Number:XXXX XXXX  XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX - Account Number : **** XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Outsource Group, Inc (TX)

My name is XXXX XXXX and I am personally submitting this compliant on Medicredit XXXX XXXX XXXX. I received a letter from Medicredi stating I owed a balance with them. I sent them certified mail correspondence that included Validation of debt letter, Affidavit of Truth, and a Cease and Desist. They received this correspondence on XX/XX/2021. This debt collector has continue to ignore my cease and desist, they have yet to respond to the AOT. Fair Credit Billing Act & Tila laws allows me to question a balance and have the debt proven to me. This recent statement is threatening to ruin my credit reputation and harassing calls has caused severe XXXX upon me. I do not validate or verify this debt.
Consumer complaint received 2022-03-24
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. (GA)

I mailed a letter to XXXX, XXXX, and Transunion to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX, XXXX 2021. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.
Consumer complaint received 2019-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I was in dis belief when I saw the late payments on my student loans. 

Late Dates are not listed but it says 90 to 119 recent days late. 90dayd would be XXXX XXXX and XXXX 2019 but the picture of the debt dont show any latex in 2019 Account names Dept of Education XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I emailed the company on XX/XX/22 to gain access to my own line portal account, to which I received an email back telling me to call them to make a payment or discuss my account as the payment portal was not working. On XX/XX/22 I emailed showing proof the car had been turned over to another company and paid off as of XX/XX/22. I received an email back from XXXX ( XXXX XXXX XXXX '' XXXX ) stating they would be reporting me as 30 days late on my account. I asked several times for proof and was never provided proof, they locked me out of the portal therefore I was no longer able to see my records. I have been requesting for a payment history all well and being denied this information. They call me daily and then hung up when I answer. I email and getting no response. As of XX/XX/22 this lender has now marked my XXXX Credit report 1 - 30 day late. I have NEVER been 30 days late with this company. 
I want proof this account has even been 30 days, because it has not and they know it has never been 30 days late. I paid bi-weekly on payments per my contract. 
The information being reported is stated : History : XX/XX/22 ; Late Dates : XXXX PER XXXX XXXX PAYMENT MADE XXXX/XXXX/202 NEXT PAYMENT DUE XXXX I have added all email communications with this company.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (AZ)

I try to balance my Direct Express Govt debit card account weekly. 
Only today I went online to find that someone using a XXXX XXXX has recently deducted {$420.00} in the last six days ; Between XX/XX/2022 and today XX/XX/2022. There are three users listed with this XXXX XXXX two of them using the same web address.

Using this app people deduct small increments ( {$1.00} - {$2.00} ) numerous times over two or three days. Then they change the username on the app. 
I immediately file disputes and have canceled the card requesting a new one. 
Information : 1. XXXX XXXX XXXX XXXX  FL UNITED STATES OF AMERICA . 2. XXXX XXXX XXXX XXXX  FL USA . 3. XXXX XXXX XXXX  XXXX CA XXXX XXXX
Consumer complaint received 2022-05-17
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. (VA)

On my Transunion report, the account from XXXX XXXX XXXX  is shown as open, but on everywhere else that pulls my transunion credit report, it shows as closed. Im not sure whether to report XXXX XXXX XXXX or report transunion. The account is OPEN
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

XX/XX/2022, filed dispute for XXXX transactions made fraudulently on a lost credit card. Capital one. XXXX out of XXXX merchants responded not challenging the charge backs. Because the XXXX merchant hasn't responded, and according to XXXX the merchant is fraudulent. Capital one will not receive a response from this merchant. My dispute is held up because of a pending response query, that they're not going to get. 

This is ridiculous. I need my money back. My utilization is almost 100 % as a result of these transactions which is negatively affecting my credit score. This is unlawful as part of the FCRA. 
I demand a resolution immediately.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (OH)

I would like to bring your attention that COMMONWEALTH FINANCIAL are violating several laws pertaining to my social security Number, and the FDCPA. First thing, I would like to know how they came into possession of my social security number, who authorized their company to use their tradeline on my credit file. Furthermore, they have placed a negative account on my credit file before they addressed a debt assumption letter to me. According to my credit file, the date for this fraudulent account was placed on my credit file XXXX XXXX, 2015, and I am just now receiving a debt assumption letter on XXXX XXXX, 2015. 

I would like to state for the record that I have never received a debt assumption letter from them until now ; if they sent any letter previous to XXXX XXXX, 2015, I demand they show proof of mailing and proof of claim that I have ever received such letter. 

I have disputed this with all three credit bureaus and the bureaus claim they have verified the account. How can this be if I am just now receiving a debt assumption letter in XXXX XXXX, 2015, when this has been on my credit file since XXXX XXXX, 2015. 

IF THIS IS NOT THE CASE, THEN WHY WOULD THEY SEND ME A DEBT ASSUMPTION LETTER IN XX/XX/XXXX, IF THEY ALREADY TOOK THE APPROPRIATE ACTION FOR THEM TO PUT THIS ON MY CREDIT FILE IN XX/XX/XXXX.?
Consumer complaint received 2022-05-17
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: LEXISNEXIS (AR)

Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with XXXX and it was mailed on XX/XX/XXXX, and XXXX received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and XXXX is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by LexisNexis, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. LexisNexis has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of LexisNexis at least twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that XXXX send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for LexisNexis and all other disputed information ; XXXX received this request on XX/XX/XXXX. I received a letter today from XXXX saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. XXXX has five days to provide this information to me and has failed to do so.