davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My mother and my grandmother, lived in a home purchased from Wells Fargo Bank. My mother purchased the property from Wells Fargo Bank. The people who lived next door to my mother were the judge of the courts in the city my mother resided in, ( The one who did my mother 's case when Wells Fargo took my mother to Foreclosure court ), and her husband, ( A Sheriff of the same county and city ). 
They would not let my mother file for help to save the property, because the judge and her husband wanted the property for their family member, their son I believe, whom lives in the property right now, ( XX/XX/2023 ). 
They worked with the judge to put my mother out of the property so that they could purchase it for their family member, and Wells Fargo did exactly that. 
My mother deserves justice. Please all I ask is that you guys would look into this situation, please.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collections ), XXXX XXXX ( XXXX )XXXX XXXX XXXXXXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-21
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. (AL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS INQUIRIES FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT. THESE INQUIRES ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT INQUIRES FROM MY CREDUT REPORT. 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 2022-12-16
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. (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 2024-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld Systems XXXX Inc ( TSI ) contacted me using US mails on XX/XX/2023. The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation contained their symbol, which violates the Fair Debt collection practices act [ 15 usc 1692 ]. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ].

These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated as well as HIPPA laws. 
The creation of an account in my name without my prior approval nor consent constitutes identity theft. 
On XX/XX/2023 I requested the following : *The principal amount you claim I owe you. 
*An explanation showing me how the amount was computed. 
*Copies of contract and/or application which proves I agreed to pay you the alleged amount. 
*General Accounting ( GAAP ). 
*Proof you are not violating HIPPA LAWS. 
*Valid copy of license for debt collection in the State of Arizona XXXX 
To which TSI could not provide.
Consumer complaint received 2023-09-27
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. (CA)

I have called Experian about three accounts that have been so called delinquent. I have notified them that this debt does not belong to me. I have never lived at the address on file for the accounts and on top of that I was a victim in the XXXX data breach which Experian is the company handling the credit restoration process. Only experian and XXXX has these accounts on reports. The accounts XXXX XXXX and XXXX XXXX  are closed and have been charged off meaning paid but they continue to show payment history which is a violation of title 15 of the United States Code. Furthermore I have asked multiple times for validation of the debt which I have never received but due to the fact that these companies pay Experian a servicing fee Experian is dedicated to the company creating a conflict of interest as Experian will make bias decisions in favor of the paying company. I have not received a valid contract with my signature on it but Experian has continued to say that they have validated the debt. I don't care about them validating the debt I want validation and they have not provided it in the 2 years I have asked. This is a violation of my private rights as I am not a US citizen. I am a private individual in control of a U.S. citizen. I understand that the principle on the account is a legal fiction created by the United States for my benefit and to operate in commerce. Experian continues to treat me as if I am the principle and I have sent in an affidavit of truth letting them know my true identity. They have neglected to honor the affidavit and continue to treat me as principle. Lastly I have never given Experian any consent to provide any company any of my private information but the presumed and implied authority they believe they have is interfering with my right to privacy and liberty. The only conclusion I have come up with is Experian has defamed my character, are advising companies not to extend credit to me based on my demographic and race. I have power of attorney over this entity and will exercise this power by filing a civil case against experian for not having a license in the state of California or have a bond on file for damages. They ( Experian ) does not have any jurisdiction to perform the acts that they are performing which is a violation of my private unalienable rights. I have attached the report that experian provides to the companies I apply for credit with. This here proves they are defaming my character and it is now public record and can not be rebutted.
Consumer complaint received 2024-11-20
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. (FL)

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Transunion data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Consumer complaint received 2024-09-24
Product: Credit reporting 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. (NY)

To whom it may concern, RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Block, Inc. (IL)

Afterpay hired a XXXX XXXX collection agency called XXXX. I've repeatedly asked XXXX  to stop emailing and to only communicate via usps. They still emailed. After filing a complaint I've learned that they have given the debt back to afterpay who started emailing. I ask them to stop emailing and send validation via usps to address on file. However they are still emailing. This is a clear violation of the fair debt collection act.15 U.S. Code 1692c - Communication in connection with debt collection
Consumer complaint received 2022-12-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

It took me a whole year to figure this one out. 

On XXXX we put in a XXXX XXXX  loan application with XXXX in XXXX XXXX. We were denied on XXXX and then approved on XXXX because the home was not already set up on the property. So they had us fill out another application and approved us through country place mortgage. On XXXX the revised loan proposal for a " XXXX XXXX '' and earnest money contract. The loan officer made us sign another earnest money contract and pay the down payment on XXXX. We gave the loan officer our insurance agent 's information and he based the quotes on our appraisal and prevented us from getting other insurance. On XXXX the loan officer mentioned the new construction items we had but still considered our new build home a construction home. 

Upon reviewing the Apprisal Documents the comparable houses that were used were all own, sold, and created by XXXX or XXXX and wrongly listed that they were sold in the time frame that they were. Some of those homes are still owed by XXXX. 

I am located in XXXX 's old XXXX the XXXX XXXX. You can still XXXX it and find their website. they worked with the same developer for 10 years on this project.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am currently enrolled in the XXXX program with XXXX qualifying payments. Today, XX/XX/year>, my TransUnion credit report dropped XXXX points ( XXXX ). Upon investigation, XXXX, my loan servicer, reported a duplicate loan in the amount of {$54000.00}. My actual balance is {$54000.00} ; the duplication on my credit report has resulted in an increase in balance owed of over {$50000.00}, meaning my balance owed is incorrectly reported as over {$100000.00}, which has grossly negatively effected my credit score.
Consumer complaint received 2022-12-16
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. (WI)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 2022-12-16
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. (PA)

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. 

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 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 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.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my XXXX, Experian, and XXXX consumer reports regarding XXXXXXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXXXXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, XXXX reports 30 days past due, while Experian and XXXX are reporting OK ; XX/XX/XXXX, XXXX reports 60 days past due while Experian and XXXX are reporting 30 days past due ; XX/XX/XXXX, XXXX reports OK while Experian and XXXX are reporting 60 days past due ; XX/XX/XXXX XXXX is reporting 30 days past due, while Experian and XXXX are reporting OK ; XX/XX/XXXX XXXX is reporting 60 days past due and Experian and XXXX are reporting 30 days past due ; XX/XX/XXXX XXXX is reporting 90 days past due, and Experian and XXXX are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is XXXX still reporting a payment history until XX/XX/XXXX ; and XXXX is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and XXXX, as well as Experian and XXXX are inconsistent and not following these laws.
Consumer complaint received 2024-12-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (KY)

on XXXX I reached out to XXXX XXXX XXXX XXXX because I found out I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I read in XXXX XXXX XXXX XXXX policy they were supposed to freeze my account until I XXXX XXXX XXXX XXXX XXXX. Know this I went to the XXXX XXXX XXXX XXXX and I was told to send proof of my orders to the email they gave me which was XXXX XXXX XXXX XXXX and I never got a response in which I thought my service would be ok. However as soon as XXXX XXXX XXXX, I got a billing statement saying I owed {$3000.00} which should not be the case since my account was supposed to be frozen.
Consumer complaint received 2022-11-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (LA)

My brick was messed up from the hurricane in XXXX of XXXX My lawyer got us a settlement and my portion of it was $ XXXX. I received $ XXXX. This new mortgage company that took over in XXXX has held the remaining XXXX XXXXXXXX requesting other repair documentation before releasing funds. I explained that this was a settlement and not just a repair check. Now its almost two months and they arent budging. I requested to hire an inspector but they need documentation first. I still owe my brick contractor $ XXXX and he will put a lien on my house if something dont happen soon.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT TYPE : XXXX DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX I Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?