davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 2022-07-01
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. (GA)

I sent letters to Transunion XXXX and XX/XX/XXXX to receive validation of this alleged debt.The account is XXXX XXXX XXXX XXXX XXXX I also filed CFPB Complaint on XX/XX/XXXX # XXXX. Transunion states the debt is valid as a response. As part of FCRA 611 ( a ) ( 2 ) ( B ) I requested to receive all information provided from creditor for the investigation of my dispute.This has gone on for long enough. This account need to be deleted now! Transunion has been ignoring all of my requests. Transunion has continued to violate my rights. The account has NOT been validated it must be removed.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Deceptive practice, illegal repossession. Filed complaint with Attorney General. False reporting to credit as " involuntarily repossession ''. Falsely repossessing and breaching terms has been filed with AG Office. Credit agencies all show my credit as 400 less now and with incorrect comments. Despite XXXX XXXX lawsuit of XXXX XXXX by MA AG, the company is still deceiving consumers and now I am without my vehicle despite following terms of my loan, resigned from job of 2 yrs and left homeless. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within 5 mins reported to all credit agencies indicating " involuntarily repossession '' despite knowledge and video taped by my home cameras the 30 minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXXr.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX requesting that they provide proof of validity of debt, in which they only provided a partial amount. They placed 3 items on my credit report one for the balance of {$240.00}, {$1000.00}, and again {$1000.00}. These debts are not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.
Consumer complaint received 2023-03-23
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. (FL)

I am interested in disputing all inaccurate information on my credit report with transunion. looking at the files that's invalid please delete the data to clear my file asap.
Consumer complaint received 2021-12-11
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. (NC)

I was under the assumption based on ads, banners on the website and info in the news that my loan would automatically be put in Covid forbearance starting XXXX of XXXX like a few of my other accounts. When I found out that this was not the case only after my credit took a serious nose dive due to late payments I reached out and was told I had to call in and ask for a forbearance, which I did. I asked if they could at least remove the late payments as the since they can tell that I started missing payments at the start of COVID. I explained that I was pregnant and had to leave my job out of precaution. I am now back making my payments. 

My complaint has falling on deaf ears and. Ow I can not refinance my home due to all the late payments from XXXX and XXXX.
Consumer complaint received 2022-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown’s New Credit Bureau Inc. (MD)

I have no personal knowledge of Brown Collection service. I have no idea why this particular service is reporting on my consumer report without written authorization with myself. 
I've disputed many times yet the company to come back and verify the debt without ever actually speaking to me the person or sending me any written correspondence. This is causing my personal emotional distress and stress overall.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Incorrect information is showing on this account and continues to be reported to the credit bureau. This was a joint account that was resolved and should be removed/not reported anymore. Information being reported is different for each agency which is causing inaccurate information to be shown on my file. Please remove this inaccurate information as it is fraudulently being reported to the credit reporting agencies.
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (AZ)

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, Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-07-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services (NY)

Mercedes Benz Financial contacted me over numerous phone calls stating that I am 30-60 days late and they need payment so that it wouldn't negatively affect my credit report. When the representative told me that, I felt threatened and extortionate to pay. 
I felt that the company is in violation of 18 U.S. Code 894 - Collection of extensions of credit by extortionate means which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, When talking to the Mercedes Benz Financial rep he told me that if I didn't pay they would put a delinquency remark on my credit report which was a way to extort me to pay and then a few days later they actually did punish me by submitting the delinquency remarks as late payments that is now negatively affecting my credit report and not allowing me to obtain credit. I also never gave them consent to furnish this negative information.
Consumer complaint received 2024-11-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Account Number : XXXX Property Address : XXXX XXXX XXXX XXXX, OH XXXX Dear Customer ( s ) : SPS has received correspondence that we believe may be a request for assistance, or you submitted a Request for Mortgage Assistance Form ( RMA ). Unfortunately, the account is ineligible for one or more resolution options or it is ineligible for the option you selected on the RMA.

SPS may be able to help you with an alternate resolution option. Please contact us for details. 
If you have any questions, your assigned Relationship XXXX, XXXX, can be reached toll free at ( XXXX ) XXXX x XXXX or by email at XXXX. 
Notice of Error or Information Request If you believe there has been an error with the account or you require additional information, you may send a written Notice of Error or Information Request. All Notices of Error or Information Requests must be sent in writing to the address listed below, as this is our exclusive address under Federal Law for these matters. If you send your correspondence to any other address, it may not be processed in accordance with Federal law. 
Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2023-03-23
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-19
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. (MD)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-14
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. (AR)

On XXXX I contacted EXPERIAN via certified mail with USPS tracking Number XXXX ( received on XXXX ) REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED EXPERIAN SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A TW0-DIGIT CODING VERIFICATION SYSTEM. 

EXPERIAN FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO EXPERIAN.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-12-14
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. (CA)

I have put in multiple reports, called and emailed the agencies as well as collectors to rectify this situation. 

My rights under FRCA have been violated by XXXX XXXX, Equifax, and XXXX based upon the following reasons : Reporting a debt as charged off, when it was settled or paid off. 

XXXX XXXX : XXXX the debt was settled when vehicle was returned and resold after taking my payments. Falsely reporting open vehicle loan as closed account causing further denials. Also full account number not reported and improper name reported unable to verify account due to incorrect name information. 


XXXX XXXX XXXX : XXXX Vehicle was returned within XXXX days due to mechanical failure, dealer refused refund of down payment or to exchange vehicle. XXXX was notified that the vehicle had been left in the companies possession and they refused to issue a refund or exchange faulty vehicle. 

XXXX XXXX : XXXX Falsely reporting information and reporting negative rumors in regards to debt owed and paid. Full account not displayed unable to located debt due to incomplete information lack of consent of debt and acknowledgment XXXX XXXX XXXX XXXX : XXXX Falsely reporting information duplication of accounts reporting. XXXX XXXX reporting differences in balances and fraudulent information also without my consent.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (GA)

On XX/XX/XXXX I was having issues connecting my external account to US Bank and spent an hour on the phone with them. Then on XX/XX/XXXX at around XXXX XXXX EST shortly after successfully linking my external bank and depositing {$25.00} into my US Bank savings and a {$100.00} deposit into my US Bank brokerage account, I was logged out and my online and phone application access locked. With US Bank I have 2 active credit cards, a savings account, and brokerage account and my wife also has 1 credit card with US Bank. I was actually approved for my first credit card with US Bank in XX/XX/XXXX, so I have been a customer of US Bank for almost the entire year. 

I asked support why my account was locked and the first support agent said because of maintenance, but I knew this was a lie because my wife was able to log into her account. When I confronted her on this fact and requested a supervisor, she terminated the call. 

I called again and the next agent said its standard that this happens and said that since I agreed to their electronic agreement, they hold the right to lock me out of my account anytime. They never gave me a specific reason why I was locked out, or anything that I could do now but wait 72 hours until Sunday XX/XX/XXXX to call in and see they could unlock the account. I again requested a supervisor and this time after a long wait I was able to get a supervisor. 

I requested permission to record the supervisor for this CFPB report, but she said recording is not allowed. I then asked if she could provide documentation of the conversation or a resolution or even a reason why I was locked out as documentation for this CFPB report and again she said that was no possible. 

Then she claimed that I just needed to wait 48 hours, and I could call in at any time on Saturday at XX/XX/XXXX to regain access to my account. I asked why I was told it was under maintenance and why I was also told 72 hours and now 48 hours and she could not give me an answer. 

I asked for a specific time when I could call, and she said any time on the XX/XX/XXXX. I asked if I could call at XXXXXXXX XXXX on Saturday and she paused and then clarified that it should be 48 hours after my last login attempt. I offered my ID, or any verification needed from me to resolve the issue now so I could regain access to my account. I was more than willing to hold for someone to authorize me, but no resolution was provided to me.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo offers online account management that does not notify of any payment problems on the account management page, or payment page. Late fees are allowed to accumulate for two months until they are significant. Only then, do these issues show up on the online account management page. Options for clearing these issues are vague, as the loan payer is not presented a 'catch up ' option, only 'next payment due date '. Still, the company does not improve their web based mortgage management to show that there is a concern. If a credit card company can let me know in seconds that there is an odd charge on my account, why not Wells Fargo??
Consumer complaint received 2022-08-21
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. (SC)

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

Equifax is reporting a public record that does not belong to me. I have checked with the US Bankruptcy court to see why this information was reported on my credit file and they stated that they do not report to credit bureaus. The following information is being reported by Equifax and it is erroneous. 

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX {$0.00} Federal {$0.00} {$0.00} Chapter XXXX Bankruptcy Discharged XX/XX/XXXX XXXX {$0.00} Federal {$0.00} {$0.00}
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXXXXXX Balance {$0.00}.