davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

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 2022-08-22
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. (NV)

ATTENTION TO ALL CREDIT BUREAUS I AM SUBMITTING THIS INFO AS THESE INQUIRES are a result of identity theft I have not done business or opened any form of account with these companies. I recently discovered through my monitoring service these accounts being reported I made efforts to remove the inquires from my file as they do not belong to me. 

INQUIRES REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I have been having serious issues paying my mortgage both being due to XXXX as well as XXXX XXXX XXXX XXXX As a result, I applied for a loan modification. I submitted every document that they requested. Upon their review, they denied my modification as they said I had too much equity in the home. The bigger problem is that I have an abysmal credit score ( under XXXX ) and I can not qualify for a line of credit or a refinance. I have tried to explain that to them and they basically said they don't care. It's my problem, not theirs. My family has owned this house for over 40 years. In fact, my father went through a similar situation in XX/XX/XXXXand they ended up selling the house in foreclosure even though they stated they would not. As a result of the house being sold, the new owners came to the house and brought moving trucks to move my father out. My father overreacted and the police were called, he was eventually XXXX  by the police as a result of the sale of the house. I ended up reaching out to the media and it was discovered there were some fraudulent actions taken and the bank gave me the loan to the house, which also causes problems with getting a refinance or line of credit using the equity on the account.
Consumer complaint received 2022-06-07
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, Dept of Education/ 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (IL)

I contacted absolute Resolutions CORPORATION and or absolute Resolutions investments LLC and informed them they had violated my rights as a consumer on or about the week of XX/XX/XXXX and I requested Verification of an alleged debt via email to ( XXXX ). I have yet to the verification of this alleged debt. I then called absolute Resolutions CORPORATION, absolute Resolutions investments LLC once again on XXXX XX/XX/XXXX and requested verification of the alleged debt once again including but not limited to ; 1.Documentation proving the debt is valid and owed by me XXXX XXXX XXXX XXXX 
2.Proof of assignment or transfer of the debt from [ XXXX XXXX XXXX XXXX ] to your agency [ absolute Resolutions CORPORATION and or absolute Resolutions investments LLC ].

3.The original contract or agreement showing my signature. 
4

.A detailed accounting of the debt, including principal, interest, fees, and charges. 5.Verification of the debt sale price. I am aware of my rights as a consumer as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Failure to provide the requested information will result in my assumption that the debt is invalid and uncollectible. Debt collectors MUST disclose debt sale price upon request. 2. Failure to do so may result in
FDCPA liability. 3. Consumers have the right to know the debt sale price. *Impact : * This ruling : 1. Strengthens consumer protections under FDCPA. 2. Clarifies debt collectors ' disclosure obligations. 3. Encourages transparency in debt collection practices. *Citation : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) *Relevance : * This case supports consumers ' rights to request and receive debt sale price information.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (IL)

I contacted absolute XXXX XXXX  and or XXXX XXXX XXXX XXXX  and informed them they had violated my rights as a consumer on or about the week of XX/XX/XXXX and I requested Verification of an alleged debt via email to ( XXXX ). I have yet to the verification of this alleged debt. I then called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  once again on XXXX XX/XX/XXXX and requested verification of the alleged debt once again including but not limited to ; 1.Documentation proving the debt is valid and owed by me XXXX XXXX XXXX XXXX 
2.Proof of assignment or transfer of the debt from [ XXXX XXXX XXXX XXXX XXXX to your agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
3.The original contract or agreement showing my signature.

4.A detailed accounting of the debt, including principal, interest, fees, and charges.

5.Verification of the debt sale price.

I am aware of my rights as a consumer as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Failure to provide the requested information will result in my assumption that the debt is invalid and uncollectible.

Debt collectors MUST disclose debt sale price upon request. 2. Failure to do so may result in FDCPA liability. 3. Consumers have the right to know the debt sale price. *Impact : * This ruling : 1. Strengthens consumer protections under FDCPA. 2. Clarifies debt collectors ' disclosure obligations. 3. Encourages transparency in debt collection practices. *Citation : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Relevance : * This case supports consumers ' rights to request and receive debt sale price information.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NV)

ATTENTION TO ALL CREDIT BUREAUS I AM SUBMITTING THIS INFO AS THESE INQUIRES are a result of identity theft I have not done business or opened any form of account with these companies. I recently discovered through my monitoring service these accounts being reported I made efforts to remove the inquires from my file as they do not belong to me. 

INQUIRES REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
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. (CA)

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. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2022-09-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-22
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. (LA)

Paid off all balances with XXXXXXXX XXXXt. They continued to try and charge even after I received my final bill. I submitted a complaint with the Cfpb about the company but cfpb is unable to reach them.
Consumer complaint received 2022-06-07
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. (NV)

My credit Bureaus have inaccurately reported an account by the name of XXXX XXXX XXXX. On my Transunion report it says this account is OPEN and the last payment date was made XX/XX/XXXX, and the original balance is {$29000.00}. On my XXXX report it says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$28000.00}. On my XXXX credit report is says this account is CLOSED and the last payment date was made XX/XX/XXXX and the original balance is {$29000.00}. 

They have inaccurately reported an account by the name of XXXX XXXX XXXX on my credit report. On my Transunion report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX. On my XXXX report it says the last payment was made XX/XX/XXXX.
Consumer complaint received 2022-06-07
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 have never lived at this address XXXX XXXX, XXXX THIS SHOULD BE REMOVED FROM MY REPORT BECAUSE I HAVE NEVER LIVED HERE I have inquiries on my report that did not have my permission to check my credit report the inquiries are I did not give XXXX XXXX permission to pull my credit report I did not give XXXX XXXX permission to pull my credit report I did not give US SMBUS ADMIN ODA permission to pull my credit I did not give XXXX permission to pull my credit
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

XX/XX/2022 Re : overpayment and BSI refusal to refund or apply to my account - loan XXXX Hello CFPB, I have been waiting on a refund for an overpayment that was taken without authorization last month on XX/XX/2022. I have spoken with several representatives at BSI ( Servis One ) and they all promise to follow up but do not. No monies have been received to date. All that happens are empty promises. 

I am very disappointed with the awful service from BSI and am desperately in need of your help. 

I have repeatedly called and spoke to several reps to no avail. The check was mailed on XX/XX/2022, yet we never received it. It should be mailed to my mailing address : XXXX XXXX XXXX XXXX CA XXXX. Of note, I cancelled the auto draft and they took it anyway. 

This is by far the worst experience I have ever had with a financial institution. 

I have also filed several complaints via phone and via email to the company directly. 


I appreciate any and all assistance in this matter XXXX XXXX XXXX no. XXXX XXXX Prop address : XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (VA)

I received a letter dated XX/XX/2022 from Southwest Credit Systems, L.P. stating that they are attempting to collect a debt that I owe to XXXX. It stated that as of XX/XX/2022 I owed {$840.00} to XXXX. On XX/XX/2022, I called XXXX billing and they confirmed that my account was up-to-date, and I had no outstanding payments. The representative stated that the letter was probably fraudulent and they see these all the time. Per the representatives instructions, I reported the letter to XXXX fraud department too. I thought no more about it. 

On XX/XX/2022, I pulled my credit report with all three credit bureaus, which indicated that I had an outstanding balance of {$490.00} with XXXX in collections. I called XXXX on XX/XX/2022 to discuss report the issue, and XXXX billing again confirmed I had no outstanding balances, and that theyd continue researching and call me back on XX/XX/2022 at XXXX XXXX. I called XXXX back at XXXX XXXX on XX/XX/2022, and I eventually was connected to the collections department which indicated that the outstanding balance was related to service at an address where I never lived. They said that the service was signed up under my full name, my social security number. This is the first time I realized I was a victim of identity theft, and I reported it to the local police and the FTC. I also filed a dispute with all three credit bureaus. 

On XX/XX/2022, I called XXXX collections to discuss how this happened. They indicated that in XX/XX/2022, they reached out to the phone number and email address provided by the identity thief regarding the collections but never reached out to any of my actual contact info on file. They stated that XXXX never would have told me that I had an outstanding balance, unless they searched by my SSN -- which they confirmed I've never fully provided to XXXX. I then emailed the fraud packet to XXXX 's identity theft department. And I sent my proof of identity theft to XXXX via mail.
Consumer complaint received 2023-06-28
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: SYNCHRONY FINANCIAL (FL)

There are two hard inquiries on my report from synchrony bank. 

SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXXXXXX  SYNCHRONY FINANCIAL Inquiry : XXXX XXXX, XXXX  Both of these should have been a soft pull for pre-qualify for an account. And the hard pull would be if I accepted the offer. That is not the case.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (CA)

I have sent numerous requests to this bank requesting a credit limit increase. Unfortunately, each request has been denied for inaccurate and falsified reasons. I had spoken to representatives who had transferred the call to XXXX, or other Account Mangers when I asked to talk to a XXXX. XXXX XXXX Account Manager, said their phones arent set up to route the call to a manager. He instead routed the call to XXXX, also a Sr. Account Manager who initially introduced herself as a Supervisor. I had to speak to three Account Reps. ( XXXX, XXXX, and XXXX ) before speaking with XXXX Supervisor. The bank claims to have checked my credit to provide the reasons listed in the letter. The first lie, Reps were playing the role of Supv. The second lie, performing a credit check, my credit is locked, and Im notified each time someone attempts to run a check. The third lie, everything is system generated, and no persons are involved in the review process. Each Rep changed the response when I told them the previous Rep said there is a Credit and Risk department. XXXX submitted an internal complaint per XXXX. Given the integrity and honesty of these conversions and actions by the bank, how can we be sure his complaint record is valid.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America was contacted on/about XX/XX/XXXX regarding an international transfer in the amount of {$6900.00} that should not have been processed ( due to potential fraud ). This was processed from XXXX XXXX XXXX XXXXXXXX acct ending in XXXX. The representative advised that the transfer was not completed, and my funds should be returned within 3-5 business days. Once that time elapsed, I called back to the bank on/about XX/XX/XXXX ( XXXX ) with continued extensive hold times and was told since it was international that it could take up to 10 business days for the money to be returned back to my account. As of today, my funds are not returned. I would like the calls reviewed from XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 USC 1681. 

Account name : # 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 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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. 


I have called and spoken with customer service of XXXX, and I have filed disputes with XXXX, XXXX, and Transunion with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, one credit bureau says it's a collection account. 

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX. 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these XXXX accounts. I have tried to rectify this over the past 60 days.
Consumer complaint received 2022-12-04
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: Continental Finance Company, LLC (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
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: TRUIST FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, As violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022, re : Experian unverifiable bankruptcy reported on my credit report. Bankruptcy XXXX XXXX XXXX. XXXX. First of all, there is no company I am referring to the XXXXXXXX XXXX XXXXXXXX, XXXX XXXX of Florida, XXXX XXXX, XXXX, Florida XXXX. On XX/XX/2022. I sent a letter to Experian Credit Bureau, XXXX XXXX  XXXX, XXXX, TX XXXX in the above referenced bankruptcy. As of XX/XX/2022, no one has responded to me yet. Experian never removed the bankruptcy nor has my score been changed. According to my research I am entitled to XXXX points once my score is updated. I have attached a copy of the page in the Experian credit report they have no intention of correcting my report or my score. The FCRA mandates that Experian correct the unverifiable information within 30 days, or it must be removed. It has been 76 days and there has been no change. I am attaching a copy of the letter that I sent to Experian on XX/XX/2022. This letter was sent certified mail return receipt requested. XXXX XXXX XXXX XXXX XXXX received on XX/XX/2022 XXXX received by XXXX XXXX.