davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from files. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-07
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. (MD)

I have been attempting to get a mortgage refinance since XXXX. I believe the system has treated unfairly. My credit score was a XXXX in XXXX of this year and I owed XXXX in debt. Now I don ; t owe anywhere near that I am still being harassed. As soon as I clean up one thing the XXXX  put more on. 

I have all you can see many complaints and I am tired of complaining! All it does it hurts my credit score. Whats Fair about that? 

I had planned on purchasing a automobile after I refinanced my house but the bureaus want to control when you even do that, XXXX XXXX XXXX XXXXXXXX XXXX XXXX My credit usage depends on what is going on in my XXXX XXXX XXXX But no bureaus won't report the true activity. In this case I sold a property and have to relocate the contents of the home elsewhere. Hence, HIGH USAGE ON MY PERSONAL CARD WHICH IS REALLY USED FOR BUSINESSS! 

The house has sold and so with the proceeds I will pay the bill in full. I guarantee you if I look at my report someone will have reduced my credit limit for no reason except the but hole creditors made it appear unusual. What's Fair about that. 

I applied for a Auto Loan and got approved first for XXXX at XXXX XXXX XXXX  then got quoted XXXX XXXX interest XXXX XXXX XXXX and the last time XXXX XXXX for XXXX XXXX XXXX. Whats Fair About that? Same Accounts different bureaus
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

decided to proceed. He pulled up XXXX pay as my method, so I tried to pay that way. I was wondering why he was reverting to other payment methods rather than what is on the product screen, but I tried it his way anyways. When that didn't work, he gave me recommendations that he uses. Once of which was Zelle. It didnt register with me yet that I would have no way of getting a refund if he didnt actually go through with shipping it, so I went ahead and completed it that way. Once it was paid for in the amount of {$440.00}, he was still responding and assured me that it would be sent. But after a couple of hours I knew that I had made a big mistake because he immediately marked the product as available again on the product page. And then the following day he stopped responding all together. 2 hours after making the purchase I filed a claim to my bank, which was denied today.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing. 

Late Payment XXXX XXXX XXXX XX/XX/year>
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I've been a victim of identity theft and have been suffering punitive damages due to XXXX XXXX XXXX in the amount of {$3200.00} on XX/XX/2015 this account is fraudulent. It has been reporting to my Experian! I've mailed them letters with my FTC report # XXXX multiple times with no resolution!
Consumer complaint received 2022-10-23
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: AMERICAN EXPRESS COMPANY (TX)

I have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Consumer complaint received 2022-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I received the debt collector from Convergent, address of the business is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX, phone : XXXX. 
The letter said I own {$320.00} from XXXX XXXX, but I called XXXX and they said I don't own anything. However, my credit report go down XXXX  points, and the report said I have collected from Convergent. I am keeping calling XXXX and they said I don't own any money, but they send the report to the collection. 
Please help
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-24
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. (TX)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

The initial debt was from XXXX XXXX. 

Following a contract closure, XXXX wrongly charged me for not returning their equipment, which I actually did ( XXXX  Return Tracking Number : XXXX ). I never received this invoice ( and despite my requests afterward ) After several phone calls, XXXX did find the equipment, and admitted it was a mistake from them, but still never canceled the wrong invoice. 
The 2 last calls to XXXX XXXX were on XX/XX/2022 and on XX/XX/2022. XXXX 's representatives always tell me that it will be handled within 10 days, but nothing is canceled. Worst, they don't have any traces of the previous request. 

XXXX XXXX sent this wrong invoice to XXXX XXXX debt collector ( + {$26.00} fees ), greatly damaging my credit score. XXXX XXXX finally waived this debt. 
Then XXXX it to CBE Group debt collector, with even more fees ( + {$47.00} fees ). I'm disputing this debt as well. 

It is endless and without a 3rd party intervention toward XXXX XXXX I can't solve this issue from which I am solely a victim.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-10-22
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. (FL)

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2024-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I have a business line of credit with Wells Fargo. The account was opened approx. XXXX when I lived at XXXXXXXX XXXX XXXX XXXX XXXX. The account has been inactive for some time as I am semi-retired. I am not a computer wizard and never used this account with online banking. I felt that the bank had a fiduciary responsibility to protect the account. On XX/XX/XXXX I received a call from my granddaughter in XXXXXXXX XXXX stating that we had a late payment on our Wells Fargo account around {$69000.00}. She e-mailed the info. to me and I quickly made an appt. with Wells Fargo Bank in XXXXXXXX XXXX. The Bank agent was XXXX XXXX who advised that several electronic transactions had transpired with a few accounts. I filed a fraud claim immediately with Wells Fargo. The perpetrator had stolen my identity, changed the phone numbers, emails and address on the account. That is why I was not aware of the transactions as the mail was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He used my name XXXX XXXX. ( I always sign as XXXX XXXX XXXX ) An additional fraudulent XXXX XXXX account with XXXX was opened without my knowledge and was used to pay the minimum payment on the Wells Fargo line. XXXX closed the account as it was determined to be Fraudulent. Wells Fargo Fraud dept. claims that I had made these transfers. Some of the transfers were $ XXXX to individuals that I have never heard of. I filed an Identity Theft claim with the XXXX XXXX XXXX, filed with the XXXX credit bureaus, XXXX XXXX, advised Social Security, FBI and several other organizations. The fraud department claims that it was my phone and computer used to make these transactions. I wouldn't have the foggiest idea how to do this. Wells Fargo sent a notice that I am responsible for {$69000.00} to {$80000.00}. I have no idea who these hackers are. I'm appalled at this decision. Wells Fargo allowed these individuals to make electronic changes to my account. Changed my name, address, email and phone number without any verification or identification. When I spoke to the fraud department they kept stating that the phone number and address were mine. They are not mine. In addition to the Wells Fargo incident, when I renewed my motor vehicle registrations at the XXXX  XXXX, all of my vehicles address had been changed to the same address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Thank you for taking the time to review this Identity Theft and Fraudulent Theft claim. I very upset and losing sleep over this. There is definitely a problem in the electronic banking system. I have always paid my bills. If I made transactions, I would pay them. The people working in the branches at Wells Fargo were very helpful and I thank them for the help and direction. The Fraud Department at Wells Fargo should look at the people that have been scammed and ask how they would feel if it happened to them? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (CA)

I received a letter from Bridgecrest Credit Company Dated XX/XX/2022 Stating " We have reviewed your account and have verified that you still owe the amount due under the contract. '' As you can see in exhibit A I uploaded, they violated me per 15 U.S. Code 1692d - Harassment or abuse : ( A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ) : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

They then state " we have determined that you are still in possession of our vehicle. '' As you can see in exhibit B I uploaded, they are violating me per 15 U.S. Code 1692e - False or misleading representations ( A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ) : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The ( apparent ) lien holder ( according to the DMV and my car registration ) is XXXX XXXX, yet Bridgecrest Credit Company is falsely claiming to be the lien holder & claiming that my car is " their vehicle. '' If you notice in Exhibit A they also say " our vehicle, '' and then say " your vehicle. '' This is a clear attempt at threatening and intimidating me via malicious heresay- without PROOF OF CLAIM to back their allegations. I am demanding that BRIDGECREST stop contacting me, never threaten me again- and cease all alleged claims against me- unless they want a Default Judgement filed against them in Federal District Court . I will additionally be forwarding this matter to the Attorney General of CA and the XXXX  so they can investigate BRIDGECREST 'S fraudulent business practices against Federally Protected Consumers.
Consumer complaint received 2023-11-10
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. (TN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-06-14
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. (NV)

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 a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, Synchrony Bank use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
Synchrony Bank has discriminated against me for closing my account without my consent. 
Synchrony Bank is furnishing inaccurate information relating to a consumer to any consumer reporting agency. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XX/XX/1982
Consumer complaint received 2024-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Date : XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to submit a complaint regarding the conduct and actions of my XXXX  XXXX bankruptcy trustee, XXXX XXXX XXXX 's office. My case was filed in the XXXX XXXX XXXX New York, XXXX. Unfortunately, I feel that I have been treated unfairly due to circumstances beyond my control, primarily my recent medical emergencies, which are documented. 

On XX/XX/XXXX, I was in the emergency room at XXXX XXXX XXXX XXXX XXXX for an urgent medical procedure. During this time, I attempted to contact the bankruptcy court to reschedule a hearing. The court informed me that I needed to call Trustee XXXX office for assistance. When I reached out to XXXX XXXX office, I spoke with a male representative who told me to call the bankruptcy court back. I explained my situation, emphasizing that I was in the emergency room and requesting an adjournment, and I was again advised to contact the court. Which I did, and I was told by the court to call Trustee XXXX office again. 

After my medical procedure, I called the court again, and I learned that my court date had been adjourned, but I later discovered that my case had been dismissed. Following this, I had to schedule emergency XXXX  XXXX on XX/XX/XXXX, and I have a pending XXXX  XXXX scheduled for XX/XX/XXXX. 

As a result of the dismissal of my bankruptcy case, I am now facing a foreclosure sale date set for XX/XX/XXXX. My mortgage is with SPS Mortgage ( Account # XXXX ) located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I believe that the Trustees handling of my case, particularly given my medical circumstances, was unjust and lacks the appropriate consideration due to my situation. 

I would like assistance in addressing this matter. I would like to move forward with my bankruptcy case and seek guidance on how to reinstate my XXXX  XXXX bankruptcy given the extenuating circumstances I have faced. I would like Sps to stop the sale date so that I can move forward with the bankruptcy. 


Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX