davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

To whom this may concern on XX/XX/XXXX a previous complaint was filled with the CFPB ( ccomplaint # XXXX ). It has been more than 30 days since my complaint has been filed and I have not received any substantial remedy or status since my initial request. After review by XXXX, the account was removed from there reporting as the account did in fact contain these errors. I requested that the following account be reinvestigated and removed due to multiple errors found within this collection account. By law, only accurate information may be reported and the account was previously disputed and marked as updated. My 1st reason for deletion is inaccurate date of acquisition by XXXX which is reported as being purchased on XXXX XXXX. XXXX XXXX shows the account was actually purchased XX/XX/XXXX. XXXX  XXXX stated on XX/XX/XXXX that the account was closed and would be reported as closed which they failed to do. The account only showed as a collection with no payment history or details. I also requested all documentation showing a summary of all charges because the amounts owed was also wrong. On the last statement received dated XX/XX/XXXX the balance subject to interest is {$2500.00} plus 22.99 % interest ( {$50.00} ) which totals {$2600.00} not $ XXXX.The account was disputed with the original creditor and with XXXX XXXX XXXX XXXX and your bureau Experian. In my original dispute I requested a copy of the original contract with my signature as well as the accounting documents showing how the total amount owed was calculated. I have received neither of the requested items within the time allowed by law. These items are highly damaging to my credit worthiness and character and may be subject to civil compensation. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, section 611 subsection A-D I demand that you provide actual proof the information was verified, not a computer-generated confirmation.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CT)

On XXXX XXXX I received a notification from XXXX XXXX that my score went down and went I look I saw that a American express card was opened with a credit limit of {$1000.00} and a balance of {$330.00} and it wasn't me so I called American express to notify them about my issue and they told me that I don't have any account open with them so I called XXXX and made a dispute with them
Consumer complaint received 2022-08-05
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. (GA)

The questionable account specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2022-07-29
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. (TX)

Upon reviewing my personal credit report from MyFico.Com, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the 8 inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXXXXXX XXXX appliance account. I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. 

I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. 

There are also name listed on my credit report that are inaccurate. These are listed below as well and need to be removed immediately. 


Date Transunion XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Financial Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, BXXXX 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
Consumer complaint received 2022-06-27
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 Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXl Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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
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. (SC)

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 XXXX XXXX XXXX XXXX # xxxxxxxxxxxxx XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # xxxxxxxxxxxxx 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 2024-12-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (AL)

I do not know of this debt nor this company. They have been contacting my multiple time through email. 15 U.S. Code 1629g.This collection agency bought whatever debt this is for a penny on a dollar. This company has no agreement from me. This company has no signature of mines. This is a formal complaint. Validations requested ; Original Contract with my signature that I actually signed for this debt. I want a payment history that I have done with this company. I want the name and the address, and proof that you own this debt ( Purchase Agreement ). 15U.S Code 1629C Cease & Desist. Also, this is in violation of 18 USC 894 " Con-Spire '' -Collection of extensions of credit by extortionate means- 18 U.S. Code 894 - Collection of extensions of credit by extortionate means U.S. Code Notes ( 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, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means. ( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting 10 year old information and nothing current. Called them and they stated I had no negative reports. But I was denied increase of credit from XXXX due to their statements- did not pay as agreed. I have an XXXX to XXXX on XXXX and XXXX. The only employment Transunion had was from XXXX They told me XXXX XXXX XXXX pay for their information and XXXX does NOT. I have had two jobs since then 5 years at one and 7 at the other. My loans are at a different credit union and have been since XXXX If they are NOT going to give out correct information nor fix it when I call or write they have no business being a credit reporting company that their information is used to obtain correct reports. My credit person at Transunion could not understand what I was telling her. Asked for a supervisor and she refused. Asked for someone that English was their first language and she refused.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am filing this complaint against the credit reporting agencies ( CRAs ) Equifax and XXXX for their failure to conduct a proper investigation regarding an inaccurate account reported on my credit profile, which has significantly impacted my financial wellbeing. 

Over the past two years, I have disputed the incorrect account information more than eight times with both Equifax and XXXX. Despite my numerous disputes, the CRAs have repeatedly verified the inaccurate information without conducting a thorough investigation. 

I contacted XXXX XXXX, who confirmed that they have not reported any account under my name since 2019. Additionally, I spoke with the original grantor of the account, XXXX XXXX, who verified that the account has a XXXX dollar balance and is marked as settled. Despite providing this information in my disputes, Equifax and XXXX have failed to correct the inaccuracies on my credit report. 

The continuous reporting of this incorrect account information has drastically lowered my credit score, leading to higher bills, an inability to secure loans, and other financial hardships that have adversely affected my quality of life. 

I am requesting the CFPB 's intervention to ensure that Equifax and XXXX conduct a thorough and proper investigation into my disputes and correct the inaccurate account information on my credit report. I am willing to provide any further documentation or information necessary for the resolution of this complaint. 

I appreciate your prompt attention to this serious matter.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I have applied to assume a mortgage for the home I live in. This home was my father 's who passed away without a will. I hired an XXXX to take care of the " Transfer of Property '' and/or " deed '' for the home. In the state of Indiana the legal document is a " Affidavit to Transfer Real Estate ''. This is due to not being able to go to probate court ( not enough money in estate ), also my father is not alive so he obviously can not quit claim the deed to me. 

The Mortgage Company Select Portfolio Servicing , Inc. ( SPS ) underwriters are not accepting this legal document in the state of Indiana for the " Transfer of Property ''. 

They are now foreclosing. My XXXX has been in contact with their ( SPS ) XXXX  he asks for the same docs the XXXX ask for, I have sent them numerous times. 

I have submitted every document needed many times. I have called the Mortgage company 100 's of times, I have contacted the ombudsman several times in regard to the XXXX not accepting this legal document that is my Transfer of Property, and/or deed. 

XX/XX//22 Spoke to supervisor XXXX XXXX came on she stated below : Need following documents : Underwriting needs Document transfer of property- In order to get a Transfer of Property my father would have to have done this before he passed. Father is deceased without a Will I can not get for obvious reasons. 
XXXX told me the only way is to refinance b/c I can not get the above document SPS = They do not refinance They will not assume without the document transfer of property. 

Law States I can assume the property. REGARDLESS.
Consumer complaint received 2022-06-27
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bank Of 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
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (FL)

Card issuer converted promotional balance to revolving balance and charged {$26.00} in interest when the promotional balance had been paid off. Card issuer refuses to refund interest charged. 

Purchase amount was {$440.00} XX/XX/XXXX. Payments made were {$30.00} XX/XX/XXXX {$48.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$450.00} total was paid and the plan was set to expire XX/XX/XXXX. 

This was paid before the expiration of the plan and should {$26.00} should be refunded. 
Statements attached.
Consumer complaint received 2022-11-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one is attempting to collect on an expired debt via a judgement and threatening to garnish my wages. My rights as a federally protected consumer were violated. On XX/XX/21 I sent Capital One a cease and desist demanding all communication stop immediately unless it was in regards to my remedy. Pursuant to 15 usc 1692 ( c ) ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of com- petent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I never gave consent and no consent is fraud. Also pursuant to 15 usc 1692 ( d ) ( 1 ) A debt collector may not engage in any conduct the natu- ral consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or prop- erty of any person. My reputation has been damaged because of this garnishment and judgement. I am embarrassed. I recently received a letter from XXXX XXXX XXXX XXXX at law threatening to garnish my paycheck over this alleged debt. I was never provided with debt validation or the chance to dispute their allegations. 15 usc 1692 ( b ) ( 2 ) any debt collector which they referred to themselves as can not state that such consumer owes any debt. I also was never given the chance to dispute this alleged debt pursuant to 15 usc 1692 ( g ). Attached you will find all my evidence showing XXXX Capital one and XXXX XXXX XXXX violated my rights as a federally protected consumer. This is also my formal dispute of this alleged debt. Also pursuant to 16 usc 1692 ( e ) ( 3 ) ) The false representation or implication that any indi- vidual is an attorney or that any communication is from an attorney. The top of the letter and envelope says XXXX XXXX XXXX XXXX at XXXX. Then the body of the letter says this is an attempt to collect a debt ( violation ) and we are debt collections ( violation ) false and misleading. Both violate the Fair Debt Collection Practices Act.
Consumer complaint received 2022-05-27
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentially XXXX  Account Name # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, US SM BUS ADMIN ODA. 

15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.
Consumer complaint received 2022-06-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

On XXXX XXXX a dispute was sent out to all 3 credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited 60 days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all inaccurate
Consumer complaint received 2022-06-27
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. (ME)

All XXXX consumer reporting agencies are reporting an alleged medical debt furnished by XXXX XXXXXXXX XXXX that should not be furnished. This alleged medical collection was reported before it should've been. Account was opened XX/XX/2022 according to new rules taken up by Experian, XXXX, and XXXX this XXXX XXXX account should not be on my consumer report until XXXX months after the first date of delinquency. As of XX/XX/2022 they are not suppose to report until XXXX year after first date of delinquency. This company clearly has not followed this rule. It has already Debt Parked this debt on my consumer file and nothing was done. Now I am Disputing the fact that this account shouldn't have been placed on my consumer report until XXXX months after alleged delinquency by Experian, XXXX, and XXXX.
Consumer complaint received 2024-12-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MD)

I just checked my credit my XXXX report and it was hit XXXX points for Citibank Best Buy card. I never tried to open up account due to me trying to fix my credit now I might have an open credit account that can ruin my credit.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Services, Inc. (MI)

I have requested that Credit Services Inc cease all illegal activity. Credit Services Inc has inaccurately and unfairly reported on my credit file. I have requested a complete audit trail for this alleged debt and that all negative communication be stopped to CRAs.