davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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. (IL)

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by Self Finicial Lead BankIn the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$48.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with Self Finicial Lead Bank and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

m writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-08
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. (IL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX In accordance with the Fair Credit Reporting Act Experian has violated my rights. 15 usc 1681 section 602A states I have the right to privacy. 15 usc 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 
I, XXXX XXXX, am requesting that i be provided the method by which you verified that i applied directly for credit or gave my permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file. 

The FCRA states that the only permissible purpose for pulling a credit report is for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court Order The following inquiries are not related to none of the aforementioned permissible purpose. 
Please remove these inquiries from my credit report immediately.
Consumer complaint received 2024-10-22
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. (FL)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2020-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

In the month of XX/XX/2020, Carrington Mortgage received the mortgage before the XX/XX/2020, XXXX XXXX  deadline. Anyway, I was charge around {$95.00} late-fee. I believe my credit report has been tarnished because Carrington recorded the payment as late.
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (RI)

Background : 1. Vehicle Purchase : I purchased a vehicle from XXXX on XX/XX/year>. The vehicle experienced a XXXX battery failure the very next day ( XX/XX/year> ), and I have the receipt for the battery replacement. 


2. Warranty Issues : I submitted a request for reimbursement of {$200.00} for the defective battery, which was refused by XXXX, despite having direct warranties and protections under XXXX XXXX implied warranty laws ( XXXX XXXX Laws XXXX ). 


3. Credit Reporting Problems : On XX/XX/year>, I discovered a charge-off on my credit report from XXXX, which resulted in a significant drop of XXXX points in my credit score. I've made multiple reports to credit bureaus, including Experian, regarding this issue, yet XXXX continues to certify the accuracy of the charge-off. 


4. Debt Collection : The debt related to my vehicle has allegedly been sold to XXXX XXXX XXXX, but I have never seen XXXX listed on my credit report. XXXX has sent me documentation related to my XXXX loan, GAP insurance payment, and a claim of {$260.00} in pre-existing damage that wasnt covered. 


5. Consumer Rights : I believe that both XXXX and XXXX XXXX have violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by failing to correct inaccurate information on my credit report and possibly engaging in deceptive practices.
Consumer complaint received 2021-02-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I believe I am owed this amount because of the following facts and circumstances : After reviewing my credit report, I am writing to dispute the following inaccurate information, all of which result from FRAUD CHARGES ON MY USAA CREDIT CARD XXXX and is not information relating to any transaction I made. Please investigate each account listed below as the charges are fraudulent and were made without my consent. 
I was bullied by all your staff at USAA bank to pay the fraud charges of {$1800.00} DUE TO YOU RUINED MY CREDIT. I am a XXXX XXXX XXXX XXXX veteran living on XXXX XXXX. Why would I ruin 40 years of XXXX credit score? After contacting the local police agencies and the FBI I should have not paid the fraud charges until it was fully investigated by USAA fraud department and a letter was sent to me clearly denying my claim. I have consumer rights by law to file an Affidavit of complaint. I also contacted a local law firm here in XXXX XXXX that are experts in this matter and they clearly stated to me I should have never paid the fraud amount until a professional investigation by USAA was done. I was told that this is the first step I must do to fix this matter. 
I have asked over and over to do a complete investigation and check the atm cameras and I can prove I was not in the same state that the fraud occurred. ( No investigation was ever done by USAA Fraud Department ) I was never allowed to speak to someone in the fraud department. 
I was never notified in writing that USAA Savings bank denied my fraud charge claim and I was responsible for all the charges on my account. 
I would like to see prove that I received those notices in writing. 

This whole matter has brought me to an incredibly sad mental state and have had counseling over losing my house due to now I cant refinance my house with bad credit. 

( Police reports Filed ) XXXX XXXX XXXX Police XXXX / FBI XXXX XXXX XXXX ACCOUNT NAME - ACCOUNT # XXXX
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

We sold our home on XX/XX/XXXX. Dovenmuehle confirmed a substantial escrow check that would be coming to us. We did not immediately 'change our address with Dovenmuehle ', which means that our check would be sent to the sold home, then forwarded to our new residence - long story, short, we've never received the original escrow check. On XX/XX/XXXX, I contacted Dovenmuehle, and proceeded with the change-of-address process, sending a signed copy by mail, AND submitting by scan/email back to their XXXX email address, as requested ( copy of change-of-address form and email, attached ). At the same time, Dovenmuehle was to send out a new escrow check. Two weeks later, I contacted Dovenmuehle to get an update on our change-of-address and disbursement of new check the representative apparently contacted their escrow department and confirmed that the change-of-address had been processed, and the new escrow check would be mailed-out sometime between XX/XX/XXXX and XX/XX/XXXX. I contacted Dovenmuehle on XX/XX/XXXX, and the representative placed me on hold to apparently contact the escrow department again, but upon her return, could/would not confirm whether or not the escrow check was actually, physically, mailed out in fact, she kept telling me that it would most likely be mailed-out the first or second week of XXXX, XXXX. When I asked to speak with a live supervisor or manager, she forwarded me to a voicemail. FYI, that as of XX/XX/XXXX ( 92 days after closing ), we have yet to receive the original, or replacement, escrow check.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I was recently trying to get pre-approved for a mortgage but when the mortgage company pulled my credit my Experian report was blank. My XXXX and XXXX  was fine and showed credit history but my Experian had nothing. Around XX/XX/2021 I contacted Experian to resolve this issue. Initially they told me my account was locked for 72 hours and so I waited the necessary time before contacting them again. The agent then told me that my profile needed to be rebuilt and to contact them in 3-5 business days. I again waited the necessary time to contact Experian. Additionally, I had requested the agent to leave a note on the account to explain what the issue was. When I contacted them again no one knew what the issue was, there was no note, and I still couldn't access my account. After staying on the line for an hour the individual I was discussing my issue with hung or got disconnected, this happened again immediately after. Each group I talk to at Experian immediately transfers me to another group where I have to explain myself again, they constantly say they will put a note on the account but every time i ask the next person if they see they note and they say they don't see anything. 

It's been three weeks now and I still don't have an answer or even any idea if any action is being taken because each persona I get transferred too doesn't know anything that has happened on the account, maintenance, notes. nothing. I can't apply for loans or credit card or anything that involve a credit report. This has been incredibly frustrating and at this point I'm just stuck. Calling doesn't help, talking to their supervisors doesn't help.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2021-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

My husband was ill for 10 years and passed away in XXXX. Without my knowledge he had accumulated almost {$50000.00} in credit card debt. As executor and widow I contacted each card company. They all forgave the debt except Wells Fargo. After numerous times of contacting them they offered to send me a copy of all of the activity on the account. When I saw it I realized what had happened. Yes, I opened the account in XXXX in Florida, under my name only. I needed to pay off property taxes in Florida which my husband disagreed with my doing. The balance was paid off by XXXX, I put the card away with a note do not use. My husband had to have gone to the bank to even find out about 6the cared and available credit. They gave him the card without my permission and he ran up {$13000.00} of debt without my knowledge mostly in cash withdrawals. Wells Fargo says I am responsible for this debt since my name is on the card. I have made payments on this card and down to half. I have asked about settling the account. They are not willing to do this. I have contacted the fraud department and have not heard from them. Wells Fargo had no right to make this account available to him. I am a widow, on a fixed income, trying to get my finances in order for moving out of my family home. Do I have no other recourse? Should I just stop paying it, ruin my credit score and then see if they will settle?
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (IL)

I had a debt balance with XXXXXXXX XXXX credit for {$3000.00}. This account was opened on XX/XX/2015. The debt was bought by XXXX XXXX XXXX. The debt was purchased by First Portfolio Ventures I LLC. I received a summons from First Portfolio Ventures I LLC demanding {$3000.00}. I requested a copy of the original contract with my signature from creditor. I never received this requested information. The debt buyer provided me bogus documentation with no dates included of the the signed CEO documents. I have asked the debt buyer to prove that this debt with proof and have not received. I want the debt buyer to prove that they were given legal rights to collect the debt on behalf of XXXX XXXX XXXX.
Consumer complaint received 2024-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/year>, I sent a formal request via XXXX tracking number XXXX to Midland Credit Management, located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX, requesting validation of an alleged debt. I followed up with a second request on XX/XX/year>, via XXXX tracking number XXXX. To date, I have only received a letter from Midland Credit Management dated XX/XX/year>, stating that I have an obligation to resolve this, with the original creditor listed as XXXX XXXX XXXX ( XXXX  Account number XXXX ) for the amount of {$1400.00}. 
This response is insufficient and does not meet the legal standards required under Section 809 ( a ) of 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that debt collectors provide proper validation of the debt, including all necessary documentation to substantiate ownership of the debt. Specifically, I requested proof such as a copy of the original agreement with my signature or any documentation from the original creditor, such as a billing statement or account ledger. To date, no such documentation has been provided. 
Moreover, Midland Credit Management is not licensed to collect debts within XXXX XXXX, New York, where I reside, as confirmed by the XXXX XXXX Department of Consumer Affairs. This is a legal requirement for any debt collection activity in this jurisdiction. Their continued attempts to collect and report this debt to all three major credit bureaus without proper validation or the required XXXX XXXX licensure not only violate local laws but also federal laws, as they are attempting to collect debt across state lines. 
I respectfully request that the Department of Consumer Affairs take immediate action to address these violations. Specifically, I ask that you : XXXX. Enforce the removal of this illegitimate debt from all credit bureaus. 
XXXX. Hold Midland Credit Management accountable for their failure to comply with both FDCPA guidelines and XXXX XXXX licensing requirements. 
Thank you for your attention to this matter.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION (VA)

I opened a Simply Checking and Statement Savings account at Fulton Bank end of XX/XX/2020. 
At that time, there was a {$200.00} bonus offer is for a new personal Checking account with direct deposits. 
The Statement Savings account also had a bonus of {$120.00} with a {$1000.00} deposit. 

After a wait of more than an hour, I had spoken to XXXX from XXXX County bank on XXXX. He had confirmed repeatedly that my accounts were registered for the promotions. Only after that confirmation, I had transferred funds into the account. I had asked the web reps several times to review the call records. 

I met all the requirements in XX/XX/2020, but never received a bonus on either account. 

Banks like these should not be allowed to operate with their fraudulent practices.
Consumer complaint received 2023-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.