davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (CA)

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 U.S.C 1681. XXXX XXXX XXXX XXXX account # XXXX. XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX. XX/XX/XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-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 2022-04-05
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2020-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I belive there is some fraudulent updates on my credit report on EQUIFAX part. 

On XX/XX/XXXX I sent a dispute a investigation for XXXX changes They received the letter on XX/XX/XXXX The sent me a verification email of starting the dispute on XX/XX/XXXX On XX/XX/XXXX I received an update on all XXXX changes. 
IF I FELT LIKE THERE WAS AN ACTUAL UPDATE I WOULD ACCEPT THAT HOW EVER I DONT BELIVE THEY ACTUALLY REACHED OUT TO THE CREDITORS IN TIME > HERES AN EXAMPLE Via XXXX XXXX it said my missed payments were removed. 
Not one missed payment was removed OR Inquiry. OUT OF XXXX. 
I called 2 of the creditors. THey said they did not receive a dispute from EQ. 
I looked in to the information that was updated. 

One account was XXXX XXXX XXXX contacted them. They said thier last update was XX/XX/2020 HOWEVER THE EQUIFAX update shows and validates : I owe {$22000.00} And I STILL have 2 lates. 

Heres the thing i have proof that as of XX/XX/XXXX I owed XXXX XXXX HOWEVER as of XX/XX/XXXX XXXX XXXX LAST UPDATE I owed XXXX XXXX. EVEN ON XX/XX/XXXX I OWED XXXX XXXX. 

EQ never has current information. SO it looks like they updated their last report on file and called it validated. 
But as I said After a talk with XXXX XXXX they said their last 3 bearu update was sent out XX/XX/XXXX and they did not get an dispute via Equifax. 

So I dug deeper, I called some of the creditors i have inquiry disputes with and they didnt receive any disputes for EQ as well.. 

I also looked in to the date EQ claims some of the information was validated looks like 90 % the creditors called the same day. Which is strange. 
But even still if that were the case their fake investigation updates trying to beat the 30 clock was still off by 3 days. 
They received the certified letter disputing information on the credit report on XX/XX/XXXX.
Consumer complaint received 2023-02-23
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-10
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. (AZ)

Issue 1- XXXX XXXX is reporting the same negative account to XXXX twice but, will two different sets of data. 

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years. 

Issue 3- XXXX is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- Experian is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity
Consumer complaint received 2018-09-24
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ORG GC GP BUYER, LLC (TX)

On XX/XX/2018 at XXXX pm, GC Services called my son from number XXXX looking for me stating it was a " personal business matter '' and that they had my son 's number, " XXXX '' as a valid contact for me, which is not possible since I have never given anyone that number as a valid contact for me, nor is he on my loans as a contact, since at the time of the debt he was XXXX years old. He only recently turned XXXX. 

This is harassment and I would like to press charges.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I paid off my XXXX  card in XX/XX/XXXX with tax return money. I called their number, got the balance and sent the payment. After I called, XXXX added a {$4.00} interest fee. I thought the card was paid off. I did not make any other payment to XXXX as I thought I had paid off the card. In the meantime they started charging late fees in amounts more than what the actual unpaid interest was. Once I realized what was happening I contacted the company and asked them to fix the fees and I would pay the {$4.00} I missed, which I paid. They refused to remove the fees and have since charged more and more fees and interest bringing the current balance on the card to {$110.00} as of XX/XX/18. That's all interest and fees on a {$4.00} interest charge that went through after I paid the card off. I have since paid them {$5.00} ( I thought that was the fee but it was actually {$4.00} ) I cancelled the card in XX/XX/XXXX and they are continue to add late charges to a closed account. I do not understand how a bill in an actual amount of {$4.00} can now be {$110.00} in interest and fees. It's crazy. I do not want to pay them any more. I have closed my account and they are still charging fees. Please help!
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

On XX/XX/18, my husband and I purchased our home using {$360000.00} of mortgage proceeds from XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase price of the home, supported by the appraisal, was {$400000.00}. At some point in the next several weeks our mortgage was sold to Home Point Financial Corporation. On XX/XX/18, after selling our condo, we sent certified funds of {$39000.00} to Home Point to pay down the principal of our loan. This payment, along with the regular monthly payments to date, brought our XXXX ratio down to 80 % based on the original value of the home. We also provided a check for {$150.00} for a new Broker 's Price Opinion to verify the value of our home and requested the removal of the private mortgage insurance of $ XXXX. However, the XXXX provided by the company engaged by Home Point showed a new home value of {$350000.00}, a drop of {$49000.00} in less than 6 months. Upon closer review, it became apparent that the XXXX used inappropriate comps. Our home is a rowhouse with no association fees, but the XXXX only used townhouses with association fees as comps. The presence of association fees has a significant impact on the value of the homes. I brought this to the attention of Home Point via email on XX/XX/18. After repeatedly following up, I finally received a response from Home Point on XX/XX/18 stating that the XXXX is accurate and we would need to pay another $ XXXX in order for the PMI to be removed on our mortgage. I've asked for further information regarding the XXXX but received no response. I've also asked for the contact info. of an individual at Home Point, but only receive unsigned communication from a general Home Point email address. We have made all required monthly payments before they were due. We can not help but wonder if Home Point is getting a kickback from the private mortgage insurance provider by ordering erroneous XXXX 's and refusing to remove PMI requirements.
Consumer complaint received 2018-09-24
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I was online at the XXXX website intending to purchase XXXX DVDs of seasons of " XXXX XXXX XXXX XXXX XXXX ''. During the process, I received an onscreen message that I had become a member of " XXXX XXXX ''. From what I recall, I stopped the process and called XXXX and told them to cancel everything. I didn't want the order and I certainly didn't want to become a member of " XXXX XXXX ''. I was assurred the account was cancelled and the order was cancelled. I then got back online with XXXX and used one of my credit cards to purchase the disc. A couple of days later, the disc arrived by XXXX, and I waited to pay my credit card bill. I never saw such a charge on any of my credit cards. Then, THREE MONTHS LATER ( XX/XX/XXXX ) I received a statement from Synchrony Bank/XXXX  in the total amount of {$100.00}, consisting of a " previous balance '' of {$68.00}, " Fees Charged '' of {$35.00}, and " interest charges '' of {$1.00}. Meanwhile, during the three month period that had elapsed, I received nothing from Synchrony Bank/XXXX XXXX., no statements, no bills, no credit card, etc. Yet, three months after the transaction I cancelled, they want to bill me {$100.00}. This is a grossly unfair business practice and I'm not paying them XXXX cent. If they want their DVDs back, I'll send them if they pay the shipping cost. But, to send me a bill three months after the cancelled transaction won't work.
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Recovery Services Inc. (CA)

Company calls repeatedly. I have told them that I do not have a job and can not pay what they want due to all my accounts with multiple creditors being in collections. 

They then turn to " oh I'm calling you at this number and you are answering so that means you have money ... Who is helping you, where are you living? You can obviously afford a phone and food so who is helping you where is money coming from ". How would you like to pay this debt today. We need a payment today.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Bank ( USA ), N.A. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX. 

XX/XX/2018. 

i AM TRYING TO BUY A HOME. 

XXXX XXXX XXXX ISSUED ME A CASH REFUND ON XX/XX/2018 FOR {$3400.00} TO MY CAPITAL ONE CARD ENDING IN XXXX. CAPITAL ONE SAID THEY WOULD SEND ME A CK IN 10 BUSINESS DAYS. THEY DID NOT. WHEN I CALLED THEM YESTERDAY THEY ADVISED ME THAT THERE SYSTEM HAD BEEN DOWN AND THEY WERE NOT ISSUING REFUNDS. THEY THEN ADVISED ME THEY WOULD PROCESS MY REFUND CHECK AND SEND IT OUT IN 10 BUSINESS DAYS IMPACTING MY ABILITY TO CLOSE, WHEN I SPOKE TO A SUPERVISIOR AND EXPLAINED MY PROBLEM SHE HUNG UP. 
I CLOSED THE ACCOUNT ENDING IN XXXX HOPING TO SPEED UP THE PROCESS BUT NOW THEY SAY I HAVE TO WAIT 60 DAYS. I WOULD LIKE MY REFUND OF {$3400.00} ; MY ANNUAL MEMBER FEE RETURNED OF {$39.00} AND MY DUE ON SALE REWARD DOLLARS OF {$51.00}. THIS AMOUNTS TO {$3500.00} SO THAT I AM NOT HOMELESS.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

FRAUD ALERT : THIS IS NOT A DUPLICATE SUBMISSION : I AM REPORTING FRAUDULENT AND XXXX XXXX  of XXXX Customer Service Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  indicated XXXX XXXX XXXX XXXX was UN-VERIFIED and not Reporting to my consumer report. XXXX, and TransUnion removed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to inability to verify. Following Recorded Phone Call on XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke to, XXXX Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs, Regarding my XXXX XXXX XXXX XXXX UN-VERIFIED public record. Immediately following that conversation on XXXX XXXX XXXX XXXX XXXX XXXX  public record was reported by XXXX XXXX On XXXX XXXX I contacted XXXX to confirm if my consumer file had been accessed for the purposes of XXXX XXXX. XXXX confirmed my XXXX XXXX was active and has been XXXX since XXXX XXXX. I have obtained a copy of my Consumer File. XXXX Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs, fraudulently and illegally obtained access to my file through the XXXX XXXX Site by way of the PRE-QUALIFICATION PORTAL. XXXX HAS BEEN UNABLE TO VERIFY MY ACCOUNTS DUE TO CREDITORS REFUSING and electing to falsify my owing balances on XXXX Closed Accounts. 

I have attached evidence proving the gross misconduct of XXXX Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs. 

The Fair Credit Reporting Act ( FCRA ) protects consumer information, including credit reports, and prevents the sharing of this information without a specified purpose. The FCRA gives consumers the right to access their credit reports once a year for free, and to limit unsolicited offers for credit and insurance. The FCRA also specifies who can access a consumer 's credit report, and both the XXXX XXXX XXXX and the person seeking access without a valid reason can be held liable if they breach the law. 
The FCRA governs how credit bureaus can collect and share information about consumers, which businesses may use for many purposes, such as deciding whether to make a loan or XXXX XXXX. The FCRA also gives consumers the right to : Know who requested their credit report within the last year Seek damages from anyone violating the FCRA The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) are responsible for enforcing the FCRA.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (DE)

I received a loan from West Lake financial bank for a vehicle the vehicle is broken down the bank is not working with me in regards of the loan nor the dealership of where I purchased the vehicle. This is discrimination as well as pain and suffering.
Consumer complaint received 2023-01-10
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)

Today, I will be filing another CFPB Complaint to request to you once more to reinvestigate my the accounts you report on my Credit File in accordance with the Fair Credit reporting Act. I previously requested that you take a look into my concern and correct or update any erroneous information you found. Upon reviewing my updated Credit report, I noticed that no changes were made and I still see the negative description on the disputed accounts. In accordance with the Fair Credit Reporting Act, I request of you to please correct the listed account on my Credit File : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX, upon further inspection, I realized that the one of the disputed account was already remove from the other Credit Bureaus but was kept reporting on one Credit Bureau. Under the Fair Credit Reporting Act, Credit Reporting must be accurate. The Account : XXXX XXXX XXXX XXXX Balance Owed : {$48.00}, must also be removed from my Credit file.
Consumer complaint received 2023-01-10
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. (FL)

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 items 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. Kindly update the following items right away : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Hello, this complaint is for both me and my husband. I want to file it against Chrysler Capital. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with Chrysler and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

Chrysler has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with Chrysler to have this fixed, sent out dispute letters to the credit bureaus, notices to Chrysler Capital, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to Chrysler on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

Chrysler is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. Chrysler is lying about me paying late all these months. I will give you the letter from my attorney so you can see that Chrysler is lying.