davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This complaint is regarding an account on my credit report from XXXX XXXX XXXX of {$10000.00}. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified.

I have sent 4 letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is " verified '', but no hard evidence going all the way back to the ORIGINAL creditor and no verifiable proof were provided. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. Transunion did not provide me with any hard copy documentation showing that they properly verified this account and although under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified '', they did not delete the account, instead I received the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them to delete this account as they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ). 
. 
On XX/XX/XXXX I sent my 4th written letter to Transunion because the account is still on my credit report unverified.Again, I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. Section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted All my letters have been signed by a notary agent and have been sent certified mail with signed return receipt.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX XXXXran XXXX  times JXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- Ran XX/XX/XXXXtimes XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

To whom it may concern Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorized or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( i ) which the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit " Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They all should be removed from my consumer report pursuant to 15 ISC 1681a ( 2 ) ( b ). I am demanding that you remove these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (GA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXXe Account # XXXXXXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Bank XXXX Account # XXXX. 

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.
Consumer complaint received 2022-06-08
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. (CO)

Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull my credit report.
Consumer complaint received 2022-06-08
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. (AR)

This involves all 3 bureaus ( XXXX, Experian, and XXXX ) as well as the furnisher of inaccurate information ( XXXX XXXXXXXX XXXX ) On numerous occasions, I have filed disputes with all 3 bureaus listed regarding the inaccurate reporting of an account that is not mine. 

XXXX XXXXXXXX XXXXk XXXX I have asked for this account to be removed, yet it was inaccurately verified as accurate on all occasions and remains on all XXXX reports. 

It is not possible for any of the 3 bureaus to report this account accurately when each one has reported discrepancies with the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Status, and last Payment. I will attach proof of these reporting discrepancies. This alone is grounds for removal I must also point out that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to Experian, XXXX, or XXXX ( consumer reporting agencies by definition ) to report this inaccurate account.
Consumer complaint received 2022-06-08
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. (TN)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX 2.XXXX XXXX 3.XXXX XXXX 4XXXX XXXX 5.XXXX XXXX 6.XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2022-12-29
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. (NY)

I am tired of sending dispute letters to Transunion requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible bylaw. Only if Transunion chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

XX/XX/XXXX Complaint ID XXXX In my complaint filled with CFPB and also with the XXXX XXXX XXXX 
MCM, inc.response NEED MORE TIME. 
MCM XXXX XXXX only provided XXXX verifications XXXX on XX/XX/XXXX and i received on XXXXAgain a verification doesn't provide any proof of any kind. 
They had XXXX plus year enough time to provide any proof and again none provided. 
Knowing that multiple lawsuits filled by CFPB & Attorney Generals from all States over the years against zombie debt buyers XXXX XXXX, MCM .Inc. and millons and millions was payed in fines for massive FDCPA violations. And again that MCM, XXXX is violating the laws by trying to collecton unresolved dispuded debts and ignore all my request for complete validations sent by certified mail. 
I consider this debt invalite and a complete fraud. 
I Demand a immediate respond to mine complaints filled to both the CFPB and XXXX and again they had more than enough time to provide any proof. 
If they dont respond within XXXX business days another complaint will follow with the XXXX Attorney Generals office and i will consult with my legal counsil for suit.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (NJ)

I, XXXX : XXXX, am a federally protected consumer submitting this complaint against Comenity Capital Bank without any influence from any third party or agency. I advise you to see the attached documentation as it contains my full complaint and requests/demands. On XX/XX/2022 ( Exhibit A ) Comenity Capital Bank discriminated against me for exercising my right to extend credit ( credit is a right granted, not a privilege to ask for ) which is a violation of Federal Law. I gave something of value ( access to my consumer credit ), and now Comenity Capital Bank needs to give me something of value in return. Since I have received no benefit, that calls for an unauthorized use of my credit card ( SSN ) and is proof of fraudulent activity. If Comenity Capital Bank believes otherwise, then Comenity Capital Bank should provide the Federal Law that opposes what I am stating. Upon the receipt of the documentation herein and of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response is required.
Consumer complaint received 2022-12-21
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. (CA)

I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, Equifax, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Equifax, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2022-06-08
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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
Consumer complaint received 2022-06-08
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: Consumer Portfolio Services, Inc. (CA)

I went to the dealership for a new car and I picked out a XXXX. They told me they would run my credit under XXXX lenders only. Days later I saw a XXXX inquiries I didnt approve of. They lied to me.
Consumer complaint received 2023-03-30
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. (IL)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$16000.00}, XXXX XXXX XXXX  : {$0.00}
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX MCM Midland Credit Managment called my parents and did not correctly proceed with attempting to verify if I was the person and they gave out account information along with debt amount to them. After I learned about the malpractice action I then attempted to call them and they only verified me by name without asking for any other authentication proof and went directly to tell me about my debt information along with debt amount. I discussed with them the lack of authentication steps taken and told them about my steps to send a complaint to CFPB and to see if any legal matters can concur on the malpractices exercised by MCM.
Consumer complaint received 2022-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

i have a mortgage with mr cooper. i tried to sell my condo since XX/XX/21 at value price but was unsuccessful. the condo has been empty since XX/XX/21, as i relocated for work. the condo is under water and i applied for a shortsale in XX/XX/21, which first requires a loan modification. this application for loan modification and shortsale has dragged on since XX/XX/21 endlessly. mr cooper asks for a small new piece of financial information every one or two weeks, which i immediately provide, and this process has repeated itself over and over since XX/XX/21. i have continued to pay hoa fees since then and this is financially burdensome to me. my assigned representative is not always available and, when speaking to someone else, a different answer about what is needed or about the current status is provided. please help.
Consumer complaint received 2022-12-29
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. (NY)

I am tired of sending dispute letters to Experian requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible bylaw. Only if Experian chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX XXXX XXXX
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SXXXX XXXX XXXXXXXX TO GIVE ME AN ADDRESS WHERE TO SEND MY HURRICANE INSURANCE PROCEEDS CHECK -FOR DAMAGES TO REPAIR MY HOME, I called XXXX XX/XX/year> XXXX. to get an address where to send priority mail my insurance proceeds check in the amount of {$12000.00}. I was told the claims dept is closed today, you can call them back on XXXX  to confirm information at XXXX. I called this am XX/XX/year> spoke with rather rude employee XXXX whom refused any sort of ID XXXX  just said XXXX office. I asked for a physical mailing address to send my insurance proceed check She ***REFUSED*** to give me the address TO MAIL IN THE XXXX! ON A RECORDED LINE. SHE REFUSED MULTIPLE TIMES. Asked me to call back in 3 days? For what? She had a fake phone # listed for me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND PUT IN A FAKE #. I had her correct the phone # XXXX. I asked for manager/supv. She put her friend I presume on the line, XXXX a resolution team person ( also another person who said nXXXX XXXX XXXX  XXXX worked in XXXX. He also REFUESD TO GIVE ME AN ADDRESS send in my Hurricane insurance damage XXXX. I asked him why? Ive never heard of such XXXX There is no department that handles insurance losses at this XXXX XXXX your staff is RUDE AND UNACCEPTABLE. He stated he had to send some request somewhere to do something XXXX nothing else he could do, but tell me call back in 3 days. SHAME on you for treating the XXXX XXXX XXXX I will also forward a copy of this complaint to XXXX. Attorney General and your CEO. I STILL HAVE NO RESOLVE, NO PLACE TO SEND INSURANCE CHECK AND CAN NOT FIX MY HOME! I WILL RETAIN AN ATTORNEY IF NECESSARY AS OBVIOUSLY YOU ARE ONLY GOOD AT CUTTING AND PASTING YOUR REBUTTALS AND NOT GOOD AT READING WHAT THE ISSUE IS TO RESOLVE IT. The XXXX CO IS ISSUING ME ANOTHER XXXX IN MY NAME ONLY SO i CAN GET THE REPAIR DONE. YOU PEOPLE ARE THE WORST TO DEAL WITH TRANFER MY LOAN ALREADY
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

On XX/XX/2022 I sent a letter to Monterey Collections expressing to them that they needed to provide me documentation of my signature that this collection from the original company. They never provided me with proof that this was my debt. I asked them to submit my signature and they never responded with the actual contract with signature. They just sent me a letter stating that this was my debt. I told them that this was not my debt, submitted a letter stating such and asked them to please take this off my credit.