davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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: Southern Auto Finance Co (FL)

Greetings, I have reached out to all theXX/XX/XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX   provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in XXXX  and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the erroneous information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : TENNESSEE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6800.00} - Collection TENNESSEE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$810.00} - Collection CXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$13000.00} - Chargeoff
Consumer complaint received 2020-06-25
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. (FL)

Hello, I have sent several letters to Experian asking them to validate a Chapter XXXX BK that is reporting on my credit report. Included with every single inquiry letter was my social security card and Drivers XXXX for Identity Validation purposes. Experian has responded back to my request on a few occasions indicating that the investigation has been completed and the company that reported the information has 'Certified ' to Experian that the information is accurate, therefore the outcome 'Remains ' and item was not changed as a result. In the Public Records section of the credit reporting, the following statement displays the following for the Chapter XXXX BK that is being reporting " This section includes public record items from courts that Experian MAY HAVE obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX. I sent numerous responses to Experian asking them the verification method that was used to validate the Chapter XXXX BK and asked that they send to me the'Certified ' letter from the company that claimed the information to be accurate ; which would include all contact information from them. As of date, I have yet to receive 'Validation Method ' used to certify accurate information. Experian also mentions in their responses to my inquiry that they will not Re-investigate this request. Why not? This is my right to request a validation for an item on my credit report that has caused me to be denied a mortgage. If Experian has not sent me proof of their 'Certified ' validated outcome, I have the right to keep on asking for method of validation used to support their outcome. 

I took it upon myself to contact XXXX XXXX and find out the method that Experian used to validate my inquiry. Since my consumer report is frozen, I was told by both a supervisor and manager at XXXX XXXX that it was impossible for Experian to verify such information due to my consumer report being frozen and I have opted out to suppress any of my public records for my own identity purpose. 

My Consumer Report with XXXX is frozen and has been for quite some time for so Experian could not have validated this information with them. I have also contacted the 'USBK Court XXXX Florida XXXX asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies. Please find attached documents to back up my complaint + copy of my frozen consumer report with XXXX and a letter from the USBK XXXX Florida Courthouse indicating they do not verify public records with 3rd parties. Thank you!
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

I send {$2000.00} from money gram to a direct deposit in XXXX ..after a trhee months of " INVESTIGATION '' .moneygram contact me to close the case because they said the money was deposited in my account in mexico but not ... i have the statements to show that never was ..
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I would like for the XXXX to show proof of verification that I owe them {$4700.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.
Consumer complaint received 2020-07-16
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 dont understand why Experian is asking me for the same documents that i already sent to them. Please see attached documentation to Experian for the SECOND time, for my complaint due to identity theft
Consumer complaint received 2020-06-25
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)

MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On  XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-06-24
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. (NJ)

I previously notified TransUnion that I am a victim of identity theft, and in return and instead of fixing the problem they told me that I am a credit repair company.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

Company : Experian 1. Experian had an error on my credit report, which they acknowledged was wrong and said they cleared it off. This is OK. 
2. Afterwards Experian kept sending me multiple requests for " credit repair '' and " boost your FICO score '' emails even though I never asked for this. This is not good, I challenged my credit report to get it fixed, not to get a flood of marketing emails. 
3. Experian 's ongoing annoying marketing promotion emails have no UNSUBSCRIBE link at bottom. I am glad to forward those.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD bank has harassed and discriminated against me as as a mortgagee. I have {$170000.00} 30 year 5.125 mortgage loan with TD Bank. The loan amount was $ XXXX/mo. The mortgage balance as of XX/XX/XXXX is {$150000.00}. On XX/XX/XXXX TD Bank cancelled the escrow account. The escrow account balance was overpaid in the amount of {$550.00} by the mortgagee as of XX/XX/XXXX and is still overpaid by {$550.00}. All Real estate taxes and Home owners insurance have been paid in full by mortgagee XXXX XXXX since XX/XX/XXXX. 

Each month the mortgagee paid the mortgage timely and correctly. The mortgage amount is XXXX/mo. The {$1000.00} has been paid and received by TD Bank. {$51000.00} has been paid to TD Bank since XX/XX/XXXX. 

TD Bank list the escrow account currently as overpaid by {$550.00}. ( document Attached ) TD Bank incorrectly made the escrow overpayment by the mortgagee an amount owed. TD bank wrongfully list the monthly mortgage amount as {$1100.00}. Mr. XXXX has obtained a letter from TD Bank listing the overpayment by Mr. XXXX of {$550.00} ( document attached ). All payments have been listed as late due to the error by TD Bank! XXXX XXXX TD banks attorney, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all have been contacted and written concerning this matter ( TD Banks Officer 's and staff ). The same information and more have been provided. 

TD Bank list a past due amount of {$53000.00} as of XX/XX/XXXX. Late fee of {$54.00} X 44= XXXX. 

XXXX XXXX has filed two complaints with the credit agencies. TD bank changed the amount from {$1100.00} reported to the agencies to {$1000.00} for some months but did not correct the entire situation. TD bank started with the incorrect amount of {$2100.00} on the credit report for XX/XX/XXXX. Did not list any amounts received! Then TD Bank applied a default amount with the credit agencies in an attempt to get back to the same number they started with. 

TD bank has discriminated against me. The escrow account was eliminated and was overpaid at the date of the termination. TD bank owes me {$550.00} for the overpayment of the escrow account. TD Bank has charged unwarranted late fees and other fees. No mortgage payments were late and or missed.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I financed a car with XXXX starting at $ XXXX and paid for 2 years {$370.00} plus and the vehicle was parked for mechanical issues in a garage and I retained an attorney to negotiate terms because the vehicle became non operative ... the garage placed a lien on the vehicle and it was sold in an auction. XXXX now fails to modify the balance of the vehicle but has magnified it {$3000.00} over from I financed and I paid nearly up +/- {$7500.00} while it was in my pocession ... I called personally on several occassions and each rep was totally uncooperative or willing to assist as my attorney named XXXX XXXX said he endered the same ... XXXX  should be sanctioned for reporting incorrect information or remove this  derogatory marking from my credit bureaus they report to promptly and why I seek your help
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

I have made numerous attempts to have National Credit Systems be removed from my credit report do to inaccurate information being reported, I did try to verify the outstanding account with the information that is being reported on the National Credit Systems website but it shows that i do not have an account. I have not had any successful attempts in getting the information updated on my credit report to have it removed. I contacted the collection agency directly and there is a different amount the what is being reported. No one is assisting me with this issue.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (OH)

TRS Recovery Services contacted me about a returned payment from XXXX for {$17.00}. A statutory returned check service fee for XXXX was also issued. The total amount coming to {$41.00}. The item was returned to XXXX ( backup attached ). XXXX has confirmed this item was returned. This is now considered resolved and TRS will need to close.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (NY)

In Agreement the Fair Credit Reporting Act XXXX  with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

consent to.I am a victim of identity theft and I believe my information is being used by very bad people on the dark web aka internet hackers. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report immediately so I can began to repair my creedit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. My information was obtained without permissible purpose. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1XXXX, XXXX XX/XX/2019 2.DEPT OF ED- XX/XX/2019 3.XXXX- XX/XX/2019 4.XXXX XXXX XXXX- XX/XX/2019 5.XXXX-03/21/2019 6XXXX XX/XX/2019 I XXXX XXXX created this CFPB complaint all by myself because I was sick and tired of my rights being violated by the credit bureaus. please resolve asap. Also my rights were violated by employees at XXXX XXXX when I called to dispute these items. XXXX  Employees XXXX XXXX and XXXX XXXX openly admitted to me that they knew they were violating my consumer rights 15 USC 1681B ( a ) ( 2 ) and 15 USC 1681N ( b ).
Consumer complaint received 2022-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

complain wellsfargo accuse me of eldery financial abuse and that is affectin me my well being since i do not do that my granparents receive there money whenni withdraw it and if i use there checking account they gave me permission if for example i have a bill to pay i have the money cash i give it to my grandfather and he authorize me to use the funds never without there permission we had a problem when i didnt remember some withdraws made and they told me to make. fraud claim andnorder them new debit card now its XXXX me my XXXX being because i never been accused of that and its bringing me XXXX XXXX. my grandparent will be going to the bank and are speaking to the social service case worker im in processnof loooling for a lawyer to sue for XXXX XXXX this cause me!
Consumer complaint received 2020-06-24
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. (GA)

There are inaccurate information reporting on my credit file : Incorrect Personal Information : Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX XXXX ( XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX ( Experian & XXXX  ) ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Fraud or Identity Theft Items : XXXX XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$10000.00} ( XXXX  ) XXXX XXXX XXXX - XXXX - Date Open : XX/XX/XXXX ; Bal : {$290.00} ( XXXX  )
Consumer complaint received 2022-07-17
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. (OH)

There are 61 hard inquiries in my equifax credit report. I have reached out to the companies asking for signed applications from myself. 
None of the 61 inquiries companies can provide original signed applications from myself I have disputed these with both inquiries companies and with equifax neither are taking this matter series
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (IL)

On XX/XX/2022 I received a call from Source Receivables Management about an alleged debt to XXXX. I verified my identity with the agent. I advised that I had an updated address which I provided, then I advised them that any communications going forward needed to be in writing only and that they were welcome to send me relevant documents so that I could determine if the debt was in fact mine. On XX/XX/2022 Source Receivables Management called me again. The agent told me that if I didn't pay the debt that it would be reported to credit agencies. I stated again that I was only to be contacted in writing and that I needed to examine the evidence. The agent stated that 3 previous companies had attempted to collect the debt and if I was unable to determine with them that the debt was mine that there was little chance of me getting new information. The agent was rude and demeaning. I called the agency back and spoke with XXXX who again attempted to get me to make a payment. She stated that the company was aware of my request to be contacted in writing only, and that a letter was sent to me on XX/XX/2022, but likely was not received yet. As of this writing their letter has not been received.
Consumer complaint received 2022-06-14
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. (GA)

I was recently contacted by an occupant of a address I used to receive mail at, when I was XXXX. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by Experian, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.