davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (CA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaints : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX consumer credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX XXXX  on XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at Quality Acceptance on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX, XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I am filing a complaint in regard to a situation I currently find myself in with regard to my VA loan with Mr. Cooper ( Nationstar Mortgage ) and payments sent to them five weeks ago from XXXX ( administered by the Florida XXXX ). 

I have been awarded both past due and forward payments through the XXXX program in Florida. I submitted my award letters dated XXXX XXXX to Mr. Cooper XXXX XX/XX/XXXX I have been told by the Florida XXXX that funds were sent to Mr. Cooper XXXX XX/XX/XXXX, Two checks were sent together, one to cover the months of XXXX, XXXX, and XXXX in the amount of {$3400.00} and another in the amount of {$1100.00} for the month of XXXX. I confirmed that they were sent to the right address and had my correct mortgage loan account information on them. According to the Florida XXXX, both checks have cleared their bank. However, only one ( {$1100.00} ) has been posted to my mortgage account with Mr. Cooper. I have contacted customer service agents at Mr. Cooper repeatedly from the moment I received the award letters to as recently as yesterday. The only explanation I get is that they are processing payments as quickly as possible. However, there is no timeline on when the payment will be posted and I have been repeatedly reported as 90 days late to the credit bureau, despite the fact that the payment has been received and deposited by Mr. Cooper but not applied to my account. 

To add insult to injury I am getting multiple copies of a payment demand letter from Mr. Cooper in the mail every day demanding that I make full payment in the amount of {$3500.00} to avoid foreclosure proceedings. 

At this point, I have no idea what I'm supposed to do. I should not have to come up with {$3500.00} when the money has already been received by Mr. Cooper. Nor could I even do that if I had to. I had XXXX five years ago and the medical costs associated with that wiped out any savings we had. Add in a pandemic, other ongoing medical situations, and underemployment, and we just do not have the ability to make a large payment like that. If we could, we wouldn't have to rely on the XXXX program. This whole situation has added a lot of unnecessary stress to me. I sent an email to XXXX XXXX ( after being given her information as a contact for this matter ) at Mr. Cooper requesting that their " state fund assistance team '' please apply the funds to my account, but the only response I received from her was to say that she would forward it to the XXXX department for processing. Three weeks later I'm still waiting ......
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Reference # : XXXX CURRENT CREDITOR : XXXX XXXX XXXX XXXX CREDITOR ACCOUNT XXXX XXXX XXXX To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

Kind regards, XXXX XXXX
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my right to privacy.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (FL)

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.

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 2022-10-14
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX # XXXX Paid As Agree XXXX # XXXX XXXX  CARD # XXXX No Category XXXX  # XXXX XXXX CRED XXXX XXXX XXXX CRED # XXXX XXXX CRED # XXXX
Consumer complaint received 2022-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: January Technologies, Inc (GA)

January Technologies , Inc. has repeatedly emailed me on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 regarding an alleged debt and I never provided them permission to communicate with me ( violation of 15 USC 1692c ( a ) ).
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (NC)

I have recently submitted a CFPB complaint against Bull City Financial Solutions. The responded with a generic blanket statement and the complaint was closed. Again, they are stating that i have an alleged debt with them in the amount of {$1100.00}. 

I sent a debt validation letter requesting specific information to which they did not supply. I asked for not only proof that I owe them anything ( a contract/agreement with them with my wet-ink signature and a good or service i received from them. ) They did NOT produce such documentation. I requested in the validation letter as well that if they could not do so within the legal allotted amount of time that they cease with their collection efforts and immediately remove the their derogatory remarks from my consumer report. They have done neither. 

In the XX/XX/XXXX CFPB complaint I listed all of the things that they were in violation of and I again requested immediate removal of their reporting to all three of the CRAs. Their response was conducive with the fact that they are in willful violation of the FDCPA, FCRA, and the Privacy Act of 1974. I've stated with them the laws and compliance matters with the Acts and they refuse to move on them. 

They are in violation of 15 USC 1681 for the information in my consumer report provided by them, permissible purpose, and a blatant violation of compliance procedures. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Bull City Financial is in violation because they have not and can not prove, in fact, that I owe them anything. They have not produced any accounting ledgers, statements, or again, a contract or agreement with my wet signature binding me to them and a service or good I received from them. 

12 CFR 1016.1 : they are again in willful violation because as stated in my debt validation letter as well as my last CFPB complaint, i asked to immediately be opted out of them reporting any information about my on my consumer report. I am NOT a customer of theirs and i DID NOT consent to them reporting anything in the first place. 

So again, I request they they immediately remove reporting of me to any and all CRAs that they are reporting to. I demand to be opted out of it.
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I not sure this was me, because I have did alot time in D.O.C..XXXX XXXX XXXXXXXX ... ..also I been locked up even this wasn't me at least work out a lower or settle for smaller payment ... .Thank you have nice day.
Consumer complaint received 2022-06-29
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. (MD)

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX MARYLAND XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX XXXX XXXX has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry XXXX XXXX XXXX has violated my rights. 

*In accordance with the Fair Credit Reporting act Inquiry 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.
Consumer complaint received 2022-09-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-15
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)

This is my XXXX CFPB Complaint informing the Credit Reporting Agencies that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting Agencies are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I am submitting this complaint to request that the Credit reporting Agencies remove the following items compeletely from my Credit Report ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Date Updated : XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX Madre an agreement for me to pay debt at {$40.00} per month. On XX/XX/XXXX they took out {$520.00} for a payment which they started was a computer error. They did refund me the money... But on the next billing cycle added {$520.00} to my balance owed. 

I spoke with customer service and they can't explain what happened. My Balance went from XXXX to XXXX. I contested it with no results.
Consumer complaint received 2022-08-15
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$480.00}
Consumer complaint received 2022-08-15
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 want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block ALL items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-15
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)

I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX XXXX : {$650.00}
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2023 -- -- -- On XX/XX/2023 I deposited a check into XXXX XXXX XXXX XXXX at the Wells Fargo Bank in XXXX Nevada XXXX in the amount of {$60000.00}. The check was for the renovation project on the home. After a month has gone by XXXX XXXX XXXX XXXX has not honored their agreement. In contact with XXXX XXXX XXXX first, he claimed that the funds were not in his account and then he said the Wells Fargo Bank had a hold on the funds that were deposited into his account. I contacted again and XXXX told me that Wells Fargo Bank has a freeze on his account and is under investigation. 
I've contacted my bank XXXX  Bank in XXXX Nevada to try to retrieve the funds back from Wells Fargo Bank and they told me that the funds have already been paid to the XXXX account at Wells Fargo Bank and they could not retrieve the funds back from Wells Fargo that XXXX and Wells Fargo would have to send them back to my account. 

I have contacted Wells Fargo Bank to try to resolve the issue and they acknowledge the receipt with a case number and after a number of telephone conversations with them, they told me that they couldn't help me get the funds returned to my XXXXXXXX XXXX  account. 

I can provide a copy of the check and deposit receipt. Also, the case number from Wells Fargo Bank is XXXX.