davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

On XX/XX/XXXX I sent XXXX  XXXX a letter with supportive documents letting them know I was a victim of ID theft. I discovered my previous tenant had made photocopies of all my personal info I immediately reported this to the police. I filed a complaint with FTC, police and sent XXXX  XXXX a completely filed out ID THEFT AFFIDAVIT. I have provided XXXX XXXX with a copy of : 1. Police report 2. FTC report 3. Signed Affidavit explaining my position AS A VICTIM OF ID THEFT 4. A COPY OF MY DRIVERS LICENSE 5 Two utility bills. 

I checked XXXX XXXX XXXX and found out XXXX XXXX put a judgement lien on my house. When I spoke to XXXX XXXX about the fact that they never notified me of their intent to sue they simply stated they hired Hunt & Henriques XXXX XXXX for that and had to take up that problem with them. 

When I contacted Hunt & Henriques, XXXX they told me I have to contact XXXX  XXXX. 

Im stuck in a bad position- all because XXXX XXXX is drilling to many lawsuits into the courts that the court cant catch when the attorney is being negligent or behaving unethically. 

My case is one where a dutifully working attorney would not have acted the way that Hunt & Henriques XXXX XXXX did. 

In XX/XX/XXXX they mailed a notice of intent to sue to THE WRONG ADDRESS / different city. 

XX/XX/XXXX they file statement confirming they could not serve me ( by no fault of my own as I would never avoid being served bc I want to know what Im being accused of ) XX/XX/XXXX they allegedly served me, one month before hearing. They list that there was no one home and that they handed it to a XXXX XXXX woman at the same time! Which one is it? Was the house empty or was this stranger Ive never heard of at my house? ( My wife is a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX but its a little funny the process server said it was a XXXX XXXX  woman at my door. 

The case should have started from the beginning once they realized they were going to the wrong house! I had been living there since XXXX a simple XXXX  search would have taken them there. 

Instead attorney submitted the documents and made it appear as though everything was done correctly. They won by default and placed a judgement lien on my house. 


The judgement lien should be removed immediately. 

This is debt collection abuse and an investigation would surely show the many many consumers harmed just like I have been.
Consumer complaint received 2020-11-15
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. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C. (AZ)

I had a repossession in XXXX and now there is a debt collector is garnishing my bank account for a total amount of {$26000.00} for a XXXX XXXX XXXX. I contacted XXXX XXXX and they do not have anything of a debt from me.
Consumer complaint received 2020-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TX)

My credit score with XXXX XXXX, And XXXX  have gone done since Sequiem Asset Solutions has placed a debt with no attempt to inform me that it would be affecting my credit score, Under what law and I do need these companies to quote the law, does XXXX  and XXXX  and XXXX and sequiem sollutions have, in other words what gives them the legal right to keep placing a account in the credit reports? Please the law and its explanation not a blanket statment stating you mailed, XXXX  and XXXX and XXXX, can you guys please answer what legal right? I can not find it under fcra/
Consumer complaint received 2020-11-15
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. (FL)

hello, this is actually my 3rd time reaching out to the credit bureaus regarding these fruadelent accounts and inquires on my credit report. They refused to investigate and correct the errors. These accounts are NOT mine. i have attached the FTC report below
Consumer complaint received 2022-12-08
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: WELLS FARGO & COMPANY (CA)

Received an email on XX/XX/2022 that there was a credit inquiry on my card that was a soft check on XXXX & XXXX XXXX XXXX  and a hard check from WF CRD SVC on XX/XX/2022 however I have not applied for any credit cards at all.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I made my monthly payment to Paypal using my paypal online account. On XX/XX/XXXX I got an email that said " A recent transaction with your bank account ending in XXXX didn't go through and as a result, we have removed this bank account from your PayPal account to re-add this bank account to your PayPal account, please confirm with your bank that all information is correct. Alternatively, you can add another bank account ''. I then went to XXXX and opened an account online. On XX/XX/XXXX I got an email from my bank in reference to account ending in XXXX. The bank informed me that there was some fraud activity on my account and that they needed to cancel my card so they did and they also issued me a new debit card. On XX/XX/XXXX I tried linking my new XXXX checking account to paypal with no success. On XXXX I also noticed that I was issued a late fee on my paypal credit card in the amount of {$29.00}
Consumer complaint received 2021-03-02
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: Experian Information Solutions Inc. (UT)

Experian recently sent me an email stating that they could not process my dispute and I needed to provide some additional proof of my identification? I have been disputing accounts with Experian for MONTHS and just now receive correspondence of them saying they haven't even done any work? I have seriously erroneous items on my credit that must be fixed! I was under the impression work was being done despite me not being notified because I am aware that covid is causing some delay but I have disputing items since XXXX! I seriously need things removed to move forward with my home buying process.
Consumer complaint received 2020-11-15
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: Experian Information Solutions Inc. (MS)

on XXXX I sent a letter asking for verification of inaccurate accounts listed on my credit report. i didn't get a response so i sent another letter on XX/XX/2020. Still no response. I sent a 3rd letter on XX/XX/2020. still not response
Consumer complaint received 2023-04-27
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. (TX)

I am writing to bring to your attention a serious violation of my consumer rights by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I recently discovered that XXXX XXXX has unlawfully reported an alleged debt to my consumer reports. This letter serves as a formal complaint and a request for immediate action to rectify this situation. 

According to the New Rule REGULATION, which took effect on XX/XX/2021, XXXX XXXX XXXX XXXX, by parking this alleged debt on my consumer reports, has violated the FDCPA 1006.30a and its new rule. This action is in clear violation of my rights as a consumer, and I demand that XXXX XXXX cease and desist the reporting of this alleged debt without any further delay. Failure to comply with this request will leave me with no choice but to escalate this matter by taking legal action. 

I would like to emphasize that I have not given XXXX XXXX XXXX XXXX written permission to include any information on my credit profile, as mandated by 15 USC 168162. Therefore, XXXX XXXX has no permissible purpose, by law, to contact third parties or disclose my private or personal information. By doing so, XXXX XXXX has committed offenses that amount to Aggravated Identity Theft, as outlined in 18 US.C. 1028A. Knowingly transferring, possessing, or using my means of identification without lawful authority is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

As a litigious consumer, I am fully prepared to take legal action against XXXX XXXX XXXX XXXX if necessary to protect my rights and seek appropriate remedies. I urge you to investigate this matter promptly and take appropriate action against XXXX XXXX for their violation of consumer rights. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough review of this complaint and ensure that XXXX XXXX is held accountable for their actions. Furthermore, I would appreciate your assistance in expediting the process and securing the deletion of the inaccurate information from my consumer reports, as well as verifying the debt with a wet signature as required by law. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (FL)

I have been forced to apply for t

he Apple Card ( Goldman Sachs ) eight different times due to Goldman Sachs inability to verify my identify even after I have provided official government identification and personal information only I could and would know. When applying for the Apple Card, Goldman Sachs does not deny or approve the application. Goldman Sachs simply informs me that they are unable to verify my identity and requests me to fill out another application immediately for approval. Customer service agents at Goldman Sachs are not given the tools to identify issues related to system errors. I have reached out to Goldman Sachs on numerous occasions and have been given extremely poor customer service. Goldman Sachs also refuses to comply with federal law and provide an approval/denial/fault letter as per federal law.
The Fair Credit Reporting Act disclosure as required by sections 615 ( a ) and ( b ) of that act. Forms C -- 2 through C -- 5 contain only the section 615 ( a ) disclosure ( that a creditor obtained information from a consumer reporting agency that was considered in the credit decision ). A creditor must provide the section 615 ( a ) disclosure when adverse action is taken against a consumer based on information from a consumer reporting agency. A creditor must provide the section 615 ( b ) disclosure when adverse action is taken based on information from an outside source other than a consumer reporting agency. In addition, a creditor must provide the section 615 ( b ) disclosure if the creditor obtained information from an affiliate other than information in a consumer report or other than information concerning the affiliate 's own transactions or experiences with the
consumer. Creditors may comply with the disclosure requirements for adverse action based on information in a consumer report obtained from an affiliate by providing either the section 615 ( a ) or section 615 ( b ) disclosure. Optional language in Forms C -- 1 through C -- 5 may be used to direct the consumer to the entity that provided the credit score for any questions about the credit score, along with the entity 's contact information. Creditors may use or not use this additional language without losing the safe harbor, since the language is
optional.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/year> after failed attempts to rectify the issue with XXXX XXXX ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, XXXX agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( Experian & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, XXXX has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the immediate update or removal of the following items : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-11-04
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)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX 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 : it also state a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2023-05-23
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. (GA)

There is an inquiry on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX put an inquiry on XX/XX/2022. 
The only thing that makes sense is some at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Consumer complaint received 2024-11-15
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. (PA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2020-11-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

We fell behind on our mortgage payments because of being furloughed due to COVID. We went ahead and submitted for a forbearance to protect us until we went back to work. During this time, my wife applied for mortgage assistance through our county and was approved for {$10000.00}. XXXX County clerk of court in Florida sent XXXX a check with a letter stating what and who it was for. After over a month of us calling to find out why they check hadnt cleared and PRMG telling us they couldnt find any check, we found out that they had returned the check to XXXX County because there was one missing number from the loan number that was printed on the check even though there was a letter with the check that had the complete loan number on there. It was no difference than mailing a payment coupon in with a personal check. The county canceled the first check and reissued it making sure that the complete loan number was on the check. The second check was mailed out on XX/XX/XXXX. We have called again and are still being told that no one has any clue about this check. I was told in XX/XX/XXXX to send an email to customer service with all my emails from the county attached. We did that and received a response that they couldnt take emails like that and we needed to go through their portal, which takes at least 4 weeks to get an answer from them. I have tried to ask about the check through the portal and get no answer in return. They cant seem to find a {$10000.00} check! We have since sold the house because we couldnt catch up on our mortgage because they couldnt find this check and lost out on money we should have profited on because they can find this check. How can a mortgage company lose that big of a check!
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been contacting Transunion over the last 6 months about unauthorized inquiries on my report and unverified accounts/collections. My last date of contact was XXXX XXXX and the previous week as well. I have talked with numerous representatives that tell me different steps to take. They stated that have sent letters to those companies and they have not gotten a response back. They also deny receiving certain letters I have sent to them. I recently started sending my letters to them certified to ensure my delivery. The latest USPS tracking # s are XXXX & XXXX. Majority of the time when I call to follow up staff is very rude and tell me they havent received my letters. At this point I do not know what else to do if the companies and bureaus are not responding or sending me verification of the items they are reporting.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

On XX/XX/XXXX, I received a notice from American Coradius International, LLC informing me of a debt collection attempt on a non-existent XXXX credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with XXXX. On XX/XX/XXXX, I received another collection notice from the same company for a different XXXX account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with XXXX and that this is fraud. I also verified with XXXX that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different XXXX account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate XXXX accounts, which they are not according to XXXX.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions