davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: General Information Services, Inc (WA)

After applying for XXXX XXXX XXXX I was notified my consideration would not go further due to findings of driving abstract furnished by GIS included was a copy of that report. There were six negative mark 's. I disputed all but one. Three days later I received in the mail, the results of the investigation. This contained a driving abstract three times worse, containing outdated, more than fifteen years, information multiple offense 's inaccurately along with a statement claiming that I declined the disputed. This is not true. This time the report came from XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 Balance {$2100.00} XXXXXXXX XXXX XXXX  XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$2100.00}
Consumer complaint received 2021-02-03
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. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I told XXXX to cancel my automobile insurance, but the agent refused to do so. I did not make payments to them after I try to cancel, but they continued to charge me and now they have sold a debt I do not have to a collections agency. 

I have save copies of my email conversation with the insurance agent at XXXX. Please let me if you want to review them?
Consumer complaint received 2021-02-03
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX
Consumer complaint received 2021-01-30
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information whichcannot be verified or reported inaccurately. '' The law is noticeably clear as to the Civilliability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA. I demand the following accounts be verified ordeleted immediately : XXXX XXXX XXXX # XXXX, OHIO DEPT OF HUMAN SERVICES
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (TX)

I received a letter, dated XXXX/XXXX/2021, from US Bank, XXXX, ND XXXX, which stated they had received an application for a credit card with my name and personal information. The application was received on XX/XX//2021. The address on the application was XXXX XXXX XXXX, XXXX, VA XXXX, which is not my address. 

I called US Bank today, XX/XX/2021, and informed them I did not apply for the credit card. They are going to report the application as fraud.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Block, Inc. (MD)

Somebody had my cash app card number and kept scamming me so cash app made me order a new one. I received it but it wont be activated because cash app says so! I have no real answer and they will not provide it to me!
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX, XXXX bank charged off the account to Midland Credit Management I tried to tell them it was l already settled a identity theft and taken off my credit report and they hung up on me. This is NOT my debt I do NOT owe Midland Credit Management or XXXX bank this was a result of identity theft. XXXX $ is what they say i owe which is incorrect.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to Transunion via certified mail and by phone. By phone on XX/XX/XXXX informing them I was a victim of their Inquiry issue and that the inquiries listed below did not belong to me and need to be deleted immediately. They told Me there was nothing they could do and lied to me about being affected by the inquiry issue I ask that you follow the FCRA 611 and remove this unlawful added information off my report. 
XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also sent a certified letter to TransUnion on XX/XX/XXXX to dispute & demand Removal of many negative items from my report due to identity theft and the revived my letter and signed for it, as I have proof on XX/XX/XXXX I called and spoke to a manager two times and they refused to delete the items even though its been over 45days since I reached out to them and got no response they lied and said they go nothing but XXXX XXXX signed for it at XXXX on XX/XX/XXXX the USPS said two signatures were given one at XXXX XXXX  XXXX and second was by XXXX. XXXX later that day. Ill include photos of the receipt delivery signature and confirmation from USPS Im going to peruse legal action against TRANS UNION if My demands for removal of the negative items in my dispute are not met IMMEDIATELY. I again paid for out of my pocket more money to send another certified sign upon delivery dispute containing the original Dispute & proof it was delivered. Please look at the dispute and see the collection accounts and miss reported information on my report that needs to be removed and please give me the right I deserve and make them share 100 % accurate information about me not 98 % 22 % or 0 % but 100 % true & accurate information. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I closed escrow in XX/XX/2021 and the mortgage company was XXXX and was making payments to them every month then on XX/XX/XXXX I received a letter from them saying they sold my loan to CMC Funding. I also received a loan statement with a coupon for my XXXX payment due XX/XX/XXXX and never received anything from CMC Funding for the XXXX payment so I went and paid XXXX for my XXXX payment. Then on XXXX the XXXX I received a statement from CMC Funding that I owed them for XXXX and XXXX and to make the payment by XX/XX/XXXX. Then I received a phone call from CMC Funding is I was making the double payment to them. I told the RUDE XXXX on the phone that I make the payment to XXXX on XX/XX/XXXX and to collect the money from them she said it will take 30-45 days to get the money from XXXX and couldnt I make the double payment to them. She said that the loan process wasnt closed until XX/XX/XXXX I said to her why dont they find out if the XXXX payment was paid to XXXX I know they had gotten my payment as the check cleared my bank account on XX/XX/XXXX so XXXX had my payment. Anyway I have NO respect for CMC Funding if this is how they treat NEW customers. I also wrote a complaint to XXXX  about the company
Consumer complaint received 2021-01-30
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. (MI)

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of ninety ( 90 ) dollars. The account lists XXXX  as the " Original Lender '' and " XXXX XXXX XXXX XXXX '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with XXXX XXXX XXXX  XXXX I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with ATT. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently pull my credit reports, and I discovered that XXXX XXXX XXXX account number ending XXXX was still showing as the delinquent for 30 days I would like to see about getting updated account information because I noticed that the account was reported 30 days late although I was consistent with my account and it was a switch over with purchasing a new car it should have never been on my report. Per section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act, you are required by federal law to verify all accounts post it to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This is the Liquid account record is inaccurate and I request that the following amount be validated and properly removed I am also requesting updated information within 30 days from this notice I also have Supply proof in the documents below that several telephone numbers and information and addresses and name spelling multiple name spelling or inaccurate as well Items that XXXX XXXX XXXX XXXX XXXX # XXXX Name mispelled Telephone numbers removed XXXX XXXX XXXX Promotional inquiries shared info without consent I never did business with any of those companies XXXX XXXX XXXX account
Consumer complaint received 2023-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

I have an account with TD bank. I make monthly payments for an outstanding line of credit. On XXXX I had an automatic payment set up but do to a computer error at the bank the payment did not come until XXXX, one day late. I contacted the bank and they advised they would pay the late fee so I contacted TD bank customer service to set up a payment for my other bank. I was told by a representative that because I was a valued customer the supervisor could remove the late fee. When the XXXX bill came the late fee was doubled to {$80.00}. I contacted the company two times in XXXX and was told a supervisor would contact me in 3 days ( they never called me ). In XXXX the late fee had become {$120.00} so I called 5 times during that month 3 times I will told someone would call me and on the fifth call I was told to dispute the fee and everything would be on hold until the claim was resolved. Over the next 3 months the late fee went up every month and no one ever contacted me. I even went into a TD bank location and was told they could not help me. I was forced to pay XXXX in late fees and they still attacked my credit.
Consumer complaint received 2021-02-03
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. (AZ)

XX/XX/2020 : I sent letter to the Experian, XXXX XXXX XXXX asking them to verify the Bankruptcy and up until now, I never received any correspondence from them. I sent them a letter monthly for follow-up for several times but I haven't received anything from them nor a validation. 
XX/XX/2020 : I sent letter to XXXX XXXX to verify the Bankruptcy that has been appearing on my credit report. 
XX/XX/2020 : XXXX XXXX Responded to the letter stating that the record has been deleted because they were unable to verify the accuracy and on XX/XX/2020, I forwarded the correspondence from XXXX XXXX to the aforementioned 3 major Bureaus requesting them to reinvestigate. Now, I have not received any response from them. Please help me on this.
Consumer complaint received 2021-02-03
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. (TX)

There was a data breach with XXXX credit bureau during the summer of 2017 that put my personal information at risk. There was also a fake loan company, called XXXX, that tricked me into giving them my personal information including my sign-on credentials for online banking : user id and passwords. This resulted in a fraudulent auto loan from a company called XXXX XXXX XXXX to be on my credit report. The thieves also tampered with my XXXX XXXX XXXX  accounts and credit cards which caused collection agencies to be involved. I've been disputing the auto loan with XXXX, but they keep asking for more information from identitytheft.gov. I asked one of the agents about more information, and she said the seven-step recovery plan they created for me is all they have on identitytheft.gov. This includes letters to creditors, credit bureaus, and the FCRA. 
Sad to say I'm still struggling with identity theft right now, as I've been informed that there have been some disputes on my credit report that I did not initiate or request.
Consumer complaint received 2024-10-14
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. (MS)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts : 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 I dispute the following address, where I have never lived : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is a completed ID Theft Affidavit and a Police Report. All the items I dispute are also circled on the attached copy of my credit report. 

Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX Enclosures : Credit Report, ID Theft Affidavit, Police Report
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This account is NOT mine! This is my 6th time reporting this information without any resolution! Remove this as its defaming my credit report and myself as a consumer.! 
Account # XXXX NOT MINE!
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IN)

Securities documents sent to WELLS FARGO as remittance transfers are not being credit to the account.Based on Truth on lending, WELLS FARGO is using my credit as well as making money from my signature by securitization but refused to accept their securities document and credit the account properly. This put me in a bind to want to research for company for XXXXXXXX XXXX for fee in the future if a solution is not being provide to notify SEC and IRS with the report about their security fraud and money laundering. If needed, they need to forward the securities to their XXXX XXXX XXXX XXXX  since that's their indenture trustee and provides a time frame when all the credit will be reflected to the account. They also need to train their employees that are telling me only money order, cash, check, cashier check are acceptable for payment. They signed their XXXX and XXXX but still do not want to follow law : securities act 1934 and security act of 1933 along with Title 12 CFR 360.6 ( a ) ( 2 ) and failure to perform : Title US code 83 ( a ) and title 16 CFR 433.1 ( d ). They are not providing their quarterly 1099s. 

WELLS FARGO issued a monthly Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. WELLS FARGO 's refuses to honor their note, despite the actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon the WELLS FARGO to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, WELLS FARGO unjustly benefits from the security.