davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (MA)

This Complaint is to Experian Credit Bureau I have been disputing multiple Fraudulent Accounts on my file back in XX/XX/2022. 
Experian keeps sending the same generic responses as " This account has been verified '' as accurate Experian has sent me copies of my credit report and also have mailed me statements. 

a Copy of a Statement is NOT proof that an account has been verified and any Automated response or e-Oscar verification is unacceptable. I know these accounts are fraudulent and do not belong to me so I requested Experian to let me know their Method of Verification that these accounts are valid. I requested the name, address phone number of each person contacted regarding these accounts. I requested a copy of any document with my signature proving that I am obligated to pay the exact amount owed. After months and months of going back and forth with Experian they still have not provided any proof nor documentation and still keep responding with the same generic response " Account Verified ''. They have failed to provide their Method of Verification nor provide any documentation proving these accounts belong to me. 

I also made a police report out and submitted a copy to Experian. I've spoken to them over the phone and they said because I submitted a police report their fraud department put a security freeze and fraud Alert on my file But they STILL continue to report these Items as Verified! This makes absolutely no sense Below is a snippet of XXXX of the dispute I've sent This letter is in response to your recent claim that XXXX XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification
Consumer complaint received 2022-07-02
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. (SC)

SSA wasn't supposed to report I had a waiver stating they wouldn't report to credit company. They reported it in 2020 when I finally got back on SSDI.I only had to dispute it once with other credit report they removed almost immediately. But, experian it has been over 7months now.I 've been in touch with SSA at first they said they couldn't find waiver but then they found in my old file. They said they was gon na get in touch with experian and let them know to remove it .just got done disputing it again they say it right .I am tired if going between these companies .I 'm trying to get a loan.to consolidate my bills .my scoreisl
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$400.00}.
Consumer complaint received 2024-12-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FCI Lender Services Inc. (CA)

Forgery of Mortgage-Related Documents : The defendants forged my signature on critical mortgage documents, including assignments of deeds of trust and promissory notes, without my knowledge or consent. This constitutes forgery under California Penal Code 470 and federal law.

Fraudulent Foreclosure Notices : The defendants sent foreclosure notices via the U.S. Postal Service based on fraudulent documentation, constituting mail fraud under 18 U.S.C. 1341.

Failure to Respond to RESPA Requests : I submitted Qualified Written Requests ( QWRs ) under the Real Estate Settlement Procedures Act ( RESPA ) seeking information about the servicing of my mortgage. The defendants failed to provide complete and timely responses, obstructing my ability to resolve discrepancies. 
Dual Tracking Practices : The defendants unlawfully pursued foreclosure proceedings while simultaneously negotiating loan modifications with me, violating Californias Homeowner Bill of Rights ( HBOR ).

Misrepresentation and Deceptive Practices : The defendants engaged in deceptive practices by misrepresenting the amount of debt owed and failing to verify the debt upon request, violating the Fair Debt Collection Practices Act ( FDCPA ). 
Robo-Signing : The defendants engaged in " robo-signing '' practices, signing documents en masse without verifying their accuracy or legality, constituting fraud under state and federal laws. 
Failure to Disclose Material Facts : The defendants failed to disclose critical information about the securitization of my mortgage, violating securities fraud statutes under 15 U.S.C. 78j ( b ).

Money Laundering and Racketeering : The proceeds from the fraudulent foreclosure were transferred through various accounts to conceal the origin of funds, violating 18 U.S.C. 1956. These actions also constitute racketeering under the Racketeer Influenced and Corrupt Organizations Act ( RICO ).
Consumer complaint received 2022-11-21
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 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 2024-12-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (AZ)

I'm not sure if I'm doing this right. I asked if I can do lower payments. I have 2 accounts with them I need to pay off. They won't go lower. I'm struggling financially and I know it's no excuse but it's hard to pay back when I'm trying to get by. They keep calling. Thanks.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

Dear CFPB, I am writing to dispute the following information that XXXX XXXX XXXX and IC System supplied to XXXX, XXXX, and XXXX. I have attached the item I dispute on the attached copy of my credit report ( XXXX ). 

This item XXXX XXXX XXXX is inaccurate because this account was paid in full, and the equipment was returned to the company am requesting that XXXX XXXX XXXX have the item removed. 

I contacted XXXX several times to try to get assistance from them and was not successful. They responded that they had submitted all the documents to IC Sytems, and when I spoke to IC System and notified me that they didn't receive anything from XXXX. ( I have attached a screenshot of how many times I submitted the dispute without resolution. ) I contacted IC System and notified them that the debit of XXXX dollars was invalid because I returned the equipment, and the account was paid in full. They responded that this was not for equipment its for an unpaid bill. I asked them several times to send me proof of nonpayment, and they refused to do so. 

I contacted XXXX XXXX XXXX and spoke to several representatives, and when they looked into the account and verified that the equipment was returned and that it was paid in full but didn't want to do anything about it. 

I also have attached an email from a different debt collector where they attempted to put in collections for the same account but dropped it because they investigated the account and found that I did return the equipment and paid in full. 

I will be attaching what I have sent to XXXX. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I have a XXXX credit card with Comenity Capital Bank and my payment is due today. I have been trying for days to pay my bill. I tried to log in I receive a message that my account was closed. I never receive a notice informing me that my account would be closed. I also tried to call and receive a voicemail indicating that they are experiencing a phone outage. This has been going on for days. 

I tried using the XXXX  link but you need your full account number which I can not get into because I am enrolled for online statements. I can not get to them since I can not get into my account online. I tried the chat feature and the virtual assistant kept sending me in circles. This is very frustrating and now I am going to get a late fee because I can not get in contact with anyone to pay my bill. I am being sent in an endless loop with no way out. This is a horrible customer experience. As a result, I am going to get a late fee and I reported late on my bureau. I have an excellent payment history and now to no fault of my own, I am being forced to pay late. I do not know which way to turn. They did not even send me a letter or an email on the account closure or instructions on how to pay my balance going forward. This is not fair.
Consumer complaint received 2022-12-01
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. (FL)

I am a victim of identity theft and I did not authorize the following inquiries : 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 2022-07-02
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (OK)

This account is the only account in the past 5 years that Ive fell on hard times for a brief period and got behind on. Its the only account prevent my credit score from returning to a point at which I can apply for a construction loan to build a new home. If I pay this debt completely off in return will Wells Fargo delete the 4 late payments as a good will adjustment in return? Or not report the account to the 3 bureaus as its not required by the CFPB
Consumer complaint received 2022-12-01
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. (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. 

XXXX XXXX  # XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX DEPT OF ED / 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 XXXX XXXXXXXX have 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 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

I have an account with Citi Card which is on payment plan for 48 months and payments deducted automatically from my checking account. When the program started apparently there was a payment due and instead of making the payment thru my deductions they continued to mark my credit late 30 days monthly for 8 months. I had to make and extra payment when I was already in a payment plan. They should have deducted the amount that they considered late and not ruined my perfect credit. How can a payment be 8 months 30 days late doesnt make sense? I want the credit corrected to never late and taken off my credit report because I have made all my payments on time since we started on the payment plan from my automatic debit card.
Consumer complaint received 2022-11-21
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 — Was not notified of investigation status or results
Company: PENTAGON FEDERAL CREDIT UNION (VA)

Im filing this complaint due to PenFed Credit Union failure to refrain from reporting information pertaining to my consumer report accounts. I demand they immediately delete the late payment derogatory verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial XXXX  and can not obtain access to XXXX  because of this unauthorized reporting. I have been denied credit on every application I submitted because of reporting tactics like these.
Consumer complaint received 2022-07-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc (NY)

Yes I applied for a loan and I was wrongfully denied. The company has been given numerous loans and they were all paid off and we do qualify but still no loan. I get error messages. This is the first complaint I have filed about this matter but it has been an ongoing issue since the last loan was paid off We are a 20 year plus account and we should not be going through this. 

I am on file at the Nevada Secretary of state. I do not choose to give my social security number out because XXXX XXXX who is the owner has given his and actually this is an LLC and it is not required by law and I am afraid of becoming the victim of identity theft. To my knowledge if it is an LLC it is not required. I am not sure if this is XXXX XXXX behavior or it is just illegal and unethical activity in business dealings.
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

Google card purchase partial numbers came off when scratched 2 cardsXXXX XX/XX/XXXX couldnot get help. Purchased at XXXX XXXX Google card purchase when tried to redeem said more info needed XXXX XX/XX/XXXX Purchased at XXXX XXXX Google card purchase XXXX on XX/XX/XXXX card read need more info- claim rejected 3 XXXX cards purchased at XXXX Google card purchase XXXX on XX/XX/XXXX card read need more info-claim rejected 3 XXXX cards purchased at XXXX this is just some of the cards that I have tried dealing with. I have another XXXX purchased at XXXX XXXX need more info- claim rejected XXXX card purchased at XXXX XXXX need more infor claim rejected. 

Company refused to refund the money for these purchases. i have faxed the request to the company many times with no answer. Have been told go to retailer. retailer says deal with google. Have even complained to XXXX  and google says they stand by they are not refunding my money
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (LA)

Comenity Financing still has the site down for nearly all info on my three store cards with Ulta, Torrid, and Lane Bryant. They're not responsive to phone calls and also I have not received any notice from them that their sites are down and no longer processing payments or charges, I found out on my own. Their " forgiveness '' period of waiving late payment fees due to their outages has gotten extended to XX/XX/XXXX, only according to XXXX and not the store card sites, but it is XX/XX/XXXX and everything is still down and all I see is a generic error messages about outages on XX/XX/XXXX and XXXX. This is a huge issue because I do not know if my automatic payments are going to be processed and I can not view my remaining balances on these cards. Furthermore, I don't have some of the cards anymore and can not provide my card number for XXXX ( lost, not stolen ). They have no explanation for what has been going on for nearly a week now or if credit info is at risk.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX is missing characters from the docket number. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX # XXXX is missing the 'balance, Scheduled payment, amount paid and past due amount ' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX # XXXX is missing the entire payment history. 

XXXX XXXX # XXXX has terms incorrect. It has XXXX XXXX monthly for 75 months. I did not pay XXXX XXXX  monthly and the terms IS NOT 75 months. The 'high balance ' is not {$3100.00} ; it was {$3400.00}. ( see attached letter contract ) XXXX XXXX XXXX # XXXX is missing 'balance, scheduled payment, amount paid and past due ' data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX '. 

XXXX XXXX XXXX # XXXX is missing 'balance, scheduled payment, amount paid and past due ' information for months XXXX, XX/XX/XXXX and XX/XX/XXXX '.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with their Verification method to verify said accounts.

In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.