davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXBalance : {$2300.00} XXXX  XXXX  XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$550.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$800.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}
Consumer complaint received 2022-08-02
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-02
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. (SC)

This is not an error I have a collection on my consumer report. this account was removed because I did not owe them the alleged debt and y'all placed it back on my report. and they could not provide me with the information on the alleged debt so they removed it. i have a letter that they sent me stating that they removed the collection from my consumer report. the XXXX XXXX  needs to be removed from my report immediately. My next concern is that y'all have not removed these inquiries from report. these inquiries are not mines i never gave them consent or authorized them to pull my report i have sent in a identity theft report on these inquires XXXX times, y'all refuse to remove them these inquires are unknown to me and i want them removed from my consumer report immediately. these inquiries are not factual, and they must be removed from my consumer report. you are failing to comply for not maintaining maximum accuracy on my report and refusing to remove inquiries that i don't know about and I'm thinking about litigation for the stress you have caused me. remove the inquires immediately from my report.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

In XXXX of XXXX, a check was issued to XXXX XXXX XXXX for my home mortgage, it was written from a wells Fargo account. The check was cashed by XXXX Bank in XXXX of XXXX. We have the bank-issued proof of deposit. XXXX stated that this check was never cashed by them reported me as late. Wells Fargo has been notified of this and a Notarized affidavit has been issued to Wells Fargo in XXXX of XXXX. We still have not received this money from Wells Fargo. Wells Fargo and XXXX XXXX are liable for the damage they have caused from XXXX XXXX to the present day XXXX. They have ruined my credit and fraudulently took money from the consumer. The amount of the check was approximately XXXX. In addition, they ruined my credit for over 4 years.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AR)

I went to make a withdrawal from US bank and the teller stated to me that my account is on hold, I asked why she said she didnt know and that the system doesnt give a reason so I tried another US bank and he said my account is in the mist of being closed and he dont know why. Ive called customer service several time and the reps said the system doesnt give them a reason to why my account is on hold. The bank has a hold on my money that I put in the bank. I never get any loans or any other financial funds for my money. This is my money that I made and they have no right to hold my money because it doesnt belong to them. I cant pay my bills at this moment because of this XXXX. I am very angry and if it comes down to it, I will have a lawyer involved to take US bank to court about damage they have caused me.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

My Car was in an accident that resulted in XXXX insurance totalling the car XXXX paid Santander at XXXX XXXX XXXX in the amount XXXX Santander is still reporting this account as a balance owed and the car is out for repossesion that car was totalled and returned via my insurance company. please see attached email and receipt showing payment
Consumer complaint received 2022-05-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquired on XX/XX/2021, 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
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-09-17
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. (NJ)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-08-02
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)

When I investigated my credit report, I realized that some of the information was unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter that sent to CREDIT BUREAUS.Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again., Please remove the UNATHORIZED items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy XXXX U.S. Bankruptcy Court Filed on XX/XX/XXXX Reference number : XXXX
Consumer complaint received 2022-08-02
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. (OR)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX  Reference number : XXXX has violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

On XX/XX/2022 at XXXX I called to discuss the debt with the collection company. I was asking why my move out statement shows an outstanding balance of {$1000.00} but their charging me {$1500.00}. They stated they are unable to see the statement. I asked for the email address so I could forward it to them. The agent proceeded to inform me I have until XX/XX/XXXX at XXXX to pay the balance of {$1500.00} or else the would proceed with " legal action '' against me.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (FL)

DISCOVER has violated my consumer protected rights. 
I, fully insured individual having extended an interest in my personal security as federal eligible obligation and right to credit was mistreated and harassed by the assignee DISCOVER and their deceptive, abusive and unfair practices.

I have sent dispute notices to DISCOVER regarding their alleged requirement to report to third parties with consumer consent and DISCOVER has responded by changing dates generic letters as responses. DISCOVER has disgraced me the consumer deliberately in violation of my consumer right of privacy, confidentiality in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act.

I spoke with account manager XXXX XXXX XXXX XXXX who alleged that the consumer had no right of privacy where third parties were concerned and DISCOVER could take consumer information and furnish it to whoever them wished. I demanded to speak to her Supervisor XXXX account managers on XX/XX/22, who after much effort to clarify the liability of DISCOVER failure to comply with STATE and FEDERAL laws that DISCOVER in effect has accepted liability and incurred itself a deficit of civil liability. XXXX stated he would escalate my complaint to executives regarding the asserted violation my right of privacy and confidentiality, in their willful dishonor of my cease communication via medium of credit reporting agencies as unauthorized publication of likeness pursing protection of State consumer protection laws as otherwise misappropriation of trade mark of collusion via invasion of privacy. 

DISCOVER has also misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves.

DISCOVER continues to evade respond genuinely regarding the injuries they have inflicted against me the consumer.

DISCOVER has engaged in illegal acts that has in effect voided the agreement. 

SEE ATTACHED CEASE AND DESIST NOTICE
Consumer complaint received 2021-12-28
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

My husband died XX/XX/XXXX. 
Estate attorney, XXXX XXXX advised me to no longer pay mortgage payment. 
I have tried to renegotiate loan, etc. since then. 
Select portfolio servicing has, especially since my XX/XX/XXXX having a HUD XXXX from XXXX, harassed me with multiple requests for same documentation, often multiple letters on same day. 
SPS continues to, as recently as two weeks ago, request already submitted documentation. 
SPs continues to publicly disperse documentation that my income is {$0.00} -- which even my HUD Counselor disputes, including at a Mediation Hearing, XX/XX/XXXX. 
SPS has three times contacted XXXX XXXX XXXX company ( house insurance ) stating that since house is unoccupied, insurance is to be cancelled. Twice, XXXX XXXX has informed SPS that policy is with ME, not SPS, so will not be cancelled. The third time, this fall, I contacted office of Delaware Insurance Commissioner, sent +/- XXXX documents showing residency, and has XXXX XXXX XXXX policy until XX/XX/XXXX. 
XXXX XXXX XXXX mistakenly wrote that my contact person was residing here rather than me! 
Contact person is aware of this flub. 

Approximately a week after Mediation Hearing, I received a letter from SPS which stated that all I needed to do was to resume payments against mortgage ( XX/XX/XXXX ). 
However, both HUD Counselor and representative between SPS and REALTOR discounted this action. 

SPS has now indicated to HUD Counselor that the company is " frustrated '' and is acting " aggressively '' to be rid of me. 

I am actively seeking a short sale, although XXXX XXXX, XXXX, is acting discourteously at best. There has been on low offer, Additionally, my son and I are concerned that, with publicized stories of people who are money-laundering may be offering a low cash value for private reasons, given their seeming lack of interest in this property, as well as their arriving for the showing which had been cancelled by XXXX XXXX XXXX 

Now, it seems that SPS and XXXX XXXX are pressuring me to vacate within a couple of weeks although we have requested until XXXX to do so.
Consumer complaint received 2024-09-12
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out of Selling & Sharing of My Information Dear TransUnion, I am writing to formally request that you cease the selling and sharing of my personal information with third parties. I value my privacy and wish to exercise my right to opt out of such practices. 

Please consider this letter as my official request to opt out of any and all selling or sharing of my information, as permitted under applicable laws. I would appreciate confirmation that my request has been processed and that my personal information will no longer be sold or shared, and this opt-out should not take 45-90 days Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In early XX/XX/2022 I made a {$500.00} payment to a credit account ( XXXX XXXX ) to bring my debt ratio down below the 30 % mark. On XX/XX/2022, both XXXX and Equifax registered the payment and DROPPED my score by XXXX POINTS! I have filed a complaint with XXXX ( who collect my scores ) and they directed me to file a dispute with the credit companies. I did as advised, both companies have acknowledged that it was correct to report that I made the {$500.00} payment, but they refuse to adjust my credit score. 

I do not think the credit reporting system in this country is designed to penalize people for reducing credit. The credit reporting companies give the public clear guidelines about how to manage a " good '' credit score. I have followed those guidelines and had gotten my score up into the " very good '' range. A XXXX point drop buts me on the border between " fair '' and " good ''. This is a travesty that I believe keeps Americans from lifting themselves up in society. Please address this. Thank you.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (SD)

Experian XXXX XXXX. I got an email that one of my children 's SSN may be compromised. I called Experian XXXXXXXX XXXX, I was told I would need to upload my driver 's license, and my daughters birth certificate, and I would be contacted in 1 business day. 3 days later, I called Experian. I was told I'd be called back in 1-3 days. 3 days later, I re-called... I was about to be re-told I'd be called back in 3 days, but I insisted to talk to a manager. I was transferred to the fraud department. I was told no one was available, and I would be called back in 3 days. I was contacted 3 days later and was told they think it was a mistake, that happens by someone mistyping, but they aren't sure, and there's nothing more to do, and to lock the credit reports of my XXXX XXXX XXXX. 2 weeks response for a " identity protection service '' that results in : " We're not sure, we can't help further, here 's some documents on what you could do next ''.