davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name ( XXXX ) XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX ( XXXX ) and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth I commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A through Exhibit C that Transunion is in violation of 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, ( XXXX ) XXXX, XXXX, never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts as well as ALL inquires. 

Accounts : XXXX/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX XXXX Bank Account # XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXXXXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX
Consumer complaint received 2021-01-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My name is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer is Select Portfolio Servicing , Inc . Select Portfolio Servicing , Inc., purports that they work on behalf of XXXX XXXX  XXXX. whom they claim is the owner of my mortgage loan. Select Portfolio Servicing Inc., hires a law firm by the name of XXXX XXXX XXXX XXXX to act as a foreclosure attorney for the servicer on behalf of the Owner/Investor of the loan, XXXX XXXX, XXXX. For years I have provided Select Portfolio Servicing, Inc and XXXX XXXX  XXXX, XXXX with XXXX XXXX evidence that XXXX XXXX  XXXX. does not own my loan. I have also asked for Validations of Debt from XXXX XXXX XXXX XXXX on several occasions. XXXX XXXX XXXX, XXXX never actually validate the debt however, they consistently try to foreclose on my property. Employees of XXXX XXXX XXXX XXXX also submit themselves into state and federal records purporting to be the legal representatives of XXXX XXXX XXXX. This is extremely illegal. Most recently I have called XXXX Headquarter and Mortgage Servicing departments and they too have said XXXX XXXX  XXXX. has never owned my loan, has no records of my loan and do not have information in their data base pertaining to my name, address, loan number or social security number. Furthermore, cases like Stubbs vs. Bank of America and You vs. JP Morgan Chase ( GA Supreme Court Case ) clearly state that only the SECURED CREDITOR can foreclose on a property. XXXX XXXX XXXX XXXX are aware of that laws required to LEGALLY foreclose on a homeowner in the state of Georgia. 
In conclusion, XXXX XXXX are using a pseudo entity to foreclose on my home which would be considered theft, fraud and I am sure many other infractions. I must assume that XXXX XXXX XXXX XXXX engage in these practices quite often and need to be stopped. As barred attorneys they are supposed to uphold their oath and should not engage in fraud before the courts. Please investigate this matter and if you do, I will assure you that this law firm has engaged in illegal foreclosure and fraud before the courts for over 10 years and need to be stopped.
Consumer complaint received 2023-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I have been in constant contact with Navient and have been making good progress with one loan that I can afford to make payments on. I have tried to make a payment arrangement, but the amount is way out of my budget. I received multiple email about the account and that if I did not do anything by the end of XXXX, they would report me 120 days late. I called and explained I can not pay full back payments due and need new payment arrangement. I was told if I paid XXXX it would stop the 120 days late reporting. I said I would try to come up with the money and agreed on the money coming out of my account on the XXXX of XXXX 2023. which it did. They still reported me 120 days late and when I called, I was told well I should have made the payment on the XXXX. Why would I call and be on the phone for 41 minutes and agree to a payment that " would stop it from progressing '' If the date I paid it in was one day to late??? I called Navient and got the " we will review the call '' XXXX  I am a grad student that now because of Navient can not het Finacial Aid due to their inaccurate information and their inadequate staff that fails to give the customer the correct information, It is not fair we can not have some type of retribution for their unfair and inadequate business practices. Again, why would I make a payment a day too late to stop the account from progressing to 120 days late?? This is a scam Navient only cares about their bottom line and has unfair and inadequate business practices. They should be stopped before they ruin more lives. I have had many problems with their accounting practices, I will pay an account according to the amount due only to be tagged with late fee even when the payment was made on time, and I was told I paid the wrong amount. I paid what their site said was due.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

According to FCRA, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ), you are required by law to have verifiable proof of any account you list on a credit report, otherwise, anyone with the ability to report to you could fax, mail or email in a fraudulent account. I never received any verifiable proof and the account still remains on my account.
Consumer complaint received 2022-07-18
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 XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-19
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. (NJ)

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

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. 
Collection Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX All my other collections was paid off but it still showing negative impact on my report which has violated my rights. 
15 U.S.C. 1681 Sectiun 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency canno! 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 and crimes which antedates the report hv 7 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
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX ( XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX XXXX ), and Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-27
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: Self Financial Inc. (NV)

On XX/XX/2022, I lost all of my personal stuff that including my ID, my Credit cards, my personal phone and more. Over the 9 months while i was trying to get everything back i looked at my credit report and i seen activities on there that i did not recognize. My credit card that was stolen in XX/XX/2022 has a balance of {$240.00}, Which is at Self Financial. When i contacted the company, they locked my account and told me i still had to pay the {$240.00} even though I'm not responsible for it. Also, there are two charges from XXXX  one balance is {$130.00} the other is {$110.00} both of these loans were opened when all my belongings were stolen and i did not know it was on my credit report until now, I have not tried to contact the company.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC (FL)

I am writing to advise a violation of the fair consumer credit act. The Sunrise Credit Service is not the original creditor and has unlawfully reported this debt on my credit report. I made contact with this agency in XXXX or XX/XX/2020 and advised of them violating the fair consumer credit act.. The agency removed the debt from my credit report ( s ) -XXXX  and XXXX  XXXX However, they have reported this debt again to a different credit bureau ( XXXX  ) on XX/XX/2020 without proper notification. I was not notified in writing from this agency that they would be reporting this again. This is malicious and driving my credit score down intentionally by this agency. Please investigate this and have them remove it from my credit report again. Your assistance is greatly appreciated. 

SUNRISE CREDIT SERVICE Original creditor : XXXX XXXX {$440.00} Balance updated XX/XX/2020 Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$440.00} {$440.00} Your statements
Consumer complaint received 2021-01-11
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. (TX)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2023-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Dear Equifax, I am writing to express my dissatisfaction with an item that still appears on my credit report. Despite my repeated efforts to have it removed, it remains and continues to negatively impact my credit score. 

The item in question is XXXX XXXXXXXX XXXX  XXXX. I believe this information to be inaccurate, as ID THEFT. I have provided documentation to support my claim and have made multiple requests for its removal but to no avail. 

I am extremely frustrated that this issue has not been resolved and I strongly request your immediate attention to rectify the situation. This incorrect information is hindering my ability to secure loans and other financial opportunities and I demand that it be removed as soon as possible. 

Furthermore, I will keep submitting these complaints until you resolve my issue. Your investigation was not satisfactory as it feels like you didn't even read my complaint. I will keep submitting these complaints until you resolve my issue. Your investigation was not satisfactory as it feels like you didn't even read my complaint. XXXXXXXX XXXX does not get a say in this. This is ID Theft. I have everything here from the police. Please remove this item. 

I would appreciate an actual human response and resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to TransUnion in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/21. 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 2020-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed a collection with Transunion and XXXX  regarding XXXX XXXX XXXX XXXX XXXX several times. I even sent them documents directly from XXXX and they still updated the info. Every time I ask how they are able to update it, they just say the company stated that the debt is valid. The problem is I'm not disputing whether or not the debt is valid, I'm stating that they failed to send the Rights to Cure before repo and the Notice of Sale post repo which was a violation of my consumer rights. XXXX admitted to sending out notices to the wrong address and sent a letter per my request proving it.
Consumer complaint received 2020-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I tried to settle this debt. I had a house fire in XXXX the same year. They refused to accept the offer. This was with XXXX XXXX before collections. Then they closed it out, and it was listed as a charge-off I believe. Then, I started getting calling early morning before XXXX XX/XX/XXXX and even night after XXXX and " All '' throughout the day by the collection agency about taking my property. I was having my house rebuilt, having problems with the contractors during this same time. So, I couldn't handle the stress. I have a XX/XX/XXXXwhich caused me to be determined XXXX following a car accident. I was in aXX/XX/XXXXrequired round the clock care for several years as well. Because, I was thinking aboutXX/XX/XXXXbecause everything was so crazy, I went to see a therapist. After which, I retained an XXXX XXXX in XXXX Michigan to handle and make arrangements. The arrangement was XXXX dollars each month. I missed 1 or 2 payments, but i contacted the collection agency prior to that I was having problems with payments. My house isn't finished yet, so I had to rent an apartment. I just moved into my home since the fire in middle of XX/XX/XXXX. I informed all parties of my situation. The collection company sent me a certified letter on XXXX at my P.O. Box that the collection agency placed a lien on the property. I never, received the notice that they were going into court to place a lien on the property. XXXX XX/XX/XXXX. On the court filing document It had my name and P.O. Box which I've had for years address. Yet, they certified me a copy of the lien, but FAILED to sent me a certified copy of the court filing. When I called them they said they couldn't talk to me only my attorney. The debt was for XXXX in the beginning or a little less. Now it's over 7,000. Finally we ar in a PANDEMIC every business, courts, daily routine life was interrupted due to the virus. I believe they intentionally didn't send me a notice, because they knew courts were closed to the public. Courts are still closed to the public currently due to the rise in deaths, and the Governor of Michigan closed Michigan back down for 3 weeks, almost XX/XX/XXXX, it might get lifted. They filed this in XXXX there was no reason good cause that ( I ) didn't receive notice. They had my address it's on the filing form. I would've addressed if I had been properly notified.
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: EQUIFAX, INC. (TN)

In accordance with the XXXX XXXX XXXX Account, XXXX Account 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 2020-11-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

Around or about the middle of XXXX or mid XX/XX/XXXX, I requested that Wells Fargo not pay a fraudulent charge in the approximate amount of {$600.00} that was charged to my non profit account XXXX  a XXXX  XXXX XXXX. Wells Fargo reversed the charge however upon consulting with Wells Fargo 's business checking unit, I was advised that the charges hadn't been reversed. The customer service representative made the reversal while I was placed on hold. When she came back to me, she informed me that the funds had been restored back into my account. I thanked her however, to my surprise approximately a month later I received a letter from Wells Fargo saying that my account was over drafted approximately {$550.00} and that I owed the bank the money back that was restored to my account. Upon consulting with Wells Fargo 's business unit, they informed me that that the bank made a mistake and was demanding the money back. When I couldn't pay for their mistake, they eventually closed the account that I had with the bank since XXXX. Wells Fargo did not offer me a monthly payment plan but instead use strong arm tactics and close my account due to their mistake. I would like a chance to re-open my account under fair terms.