davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
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. (MS)

I received a letter from XXXX dated onXX/XX/XXXX stating that they have investigated with XXXX of XXXX on why they asked XXXX to run my credit from both Experian and XXXX. I had already reached out to that company with no response. XXXX did not get a response from them, either so they sent me a letter stating that they would ask both credit bureaus to delete the inquiry. And sent me a copy of the letter. It is still on my report. I have talked to XXXX and they insisted I needed to contact the bureaus because they had sent them the information. Both bureaus said they had not gotten it because it needs to be electronically sent and that I had to reach back out to XXXX. I am tired of the run around and this is not going to stay on my report even after it has been discovered to be done without my permission.
Consumer complaint received 2023-01-11
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. (TX)

There is fraudulent information on my credit report that I have been disputing for some time now with each credit bureau and have gotten nowhere. I have sent them each a copy of my FTC report detailing the fraud and they are refusing to remove the inaccurate information from my credit report. It is illegal for a consumer reporting agency to report inaccurate information on a credit report and I am demanding that they remove this fraudulent information. I have attached my FTC report below.
Consumer complaint received 2019-03-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC (VA)

I had a lease car with BMW, due to loss of job two years ago I had a payment plan with them. Even after taking care of everything once I got the job. They still report 21 late fees and they won't take it off. Now everywhere I go to get a new car they are giving me a lot of problems. Please help.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2019 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Errors on Credit report being reported by XXXX Hello, Below is Equifaxs description of a charge-off. 
Simply put, a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. It may be sold to a debt buyer or transferred to a collection agency. 
On my credit report the following accounts are listed as charge off but are paid in full according to an agreement with each of them from credit counseling. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent Equifax proof of the agreement and the payments for each from the dedicated payment account. Even with proof all of the above accounts are still listed as charge offs. By the definition of charge off the account is not a loss and can not be sold to a collection agency as it is paid in full by agreement thru credit counseling ( before it got to this point ). This has caused me to be denied a business loan and a home equity loan as they think that I still owe money to each creditor. 

Please update the status of each to paid and closed and the balance to XXXX. 

XXXX XXXX
Consumer complaint received 2022-06-13
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. (TX)

I sent to the CRA regarding XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXl to be disputed. You failed to mark account as disputed, this a a violation. Failure to keep and follow reasonable procedures to assure possible accuracy. You reckless willful action is causing damages as economic and emotional stress. 

Account XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX xxxxxxxxxx XXXX xxxxxxxxxxxx XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX Account last XXXX digit # 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 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 2023-08-14
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/1994 To Whom this may Concern These Negative items do not meet the FCA reporting requirements. I dont not recognize how and why it is reporting DELETE IMMEDIATELY!!!!

15 U.S Code $ 1681c-2 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 then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!!

These accounts should not be furnished on my consumer report as they are in VOLATION!!

Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: REGIONS FINANCIAL CORPORATION (AR)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$440.00} XXXX XXXX  XXXX XXXX Opened  XXXX XXXX, XXXX Balance {$0.00} REGIONS BANK XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NJ)

Assignment clause Notarized letter of debt purchase Signed contract from original creditor I am disputing this account. I ask for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with Fair Credit Reporting Act XXXX account beginning with XXXX, have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.
Consumer complaint received 2022-06-22
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. (VA)

in accordance with the Fair credit reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, has violated my right 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 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with Fair Credit Reporting Act XXXX account beginning with XXXX, have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I purchased a home and obtained a mortgage from Wells Fargo in XXXX. I was up to date on payments until XXXX. At that point I contacted Wells Fargo who suggest a loan modification. After working with several of their employees over the course of the next year they were still not able to modify the loan and reopen the mortgage. The next steps in order to do so were to fill out a 10+ page form and fax it to their Loan Modification department in Iowa . I did this several times and upon receiving a fax transmission confirmation I contacted Wells Fargo. I kept getting the same line, we have a new person working with you, and that person would tell me they didn't receive random pages of the fax. I did this so many times that I decided to go into a Wells Fargo and have them fax it themselves. I still got the same response over and over after visiting several Wells Fargo branches who sent the fax for me with a XXXX percent success transmission log confirmation each time. Eventually Wells Fargo told me that they foreclosed the home. I have been pretty much homeless ever since even though I had the money to pay for the mortgage, and had found a renter who moved into my home which also covered the costs without my income. A real estate agent for Wells Fargo eventually came to the home and forced my renter out of the home illegally. I have been unable to recover from the damages I have gone through due to this loan modification that I was suggested that only made it so I was caught in a vicious cycle and caused the mortgage to close during the process and even though I had money to pay the mortgage was sent in circles until they took my home.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit. 

Account Number for Bureaus : XXXX
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (RI)

I was sent a text saying that a purchase was being made on my account. If I did not authorize the purchase I should tap on the text. A women came on the phone and told me that my account may have been hacked and we needed to see if there were any other purchases attempted. She had me open an app that allowed her to view my accounts and she showed me other attempts to use the account from different parts of the world. I have been purchasing a few more items than usual lately so I thought it was possible that I had been hacked. She told me that I needed to open zelle and put an amount in of {$990.00} and prove that I was the true owner of the account and then we could cancel the purchases. I foolishly did as she asked. When she asked me to cover a second purchase I realized that it was a scam. I hung up the phone and called my bank. I waited to speak with someone who then transfered me to the Zelle division of the bank. I waited for approximately 30 more minutes and then called Zelle directly. An automated message told me that I needed to contact my bank. So I called XXXX  XXXX XXXX back and they refused to talk to me until I could get my husband on the line and merge the call. And then they transfered me again and I waited again to speak to the zelle division for over an hour. They did finally talk to me and I was able to file a claim. The representatives from XXXX were all very nice and helpful but the phone call from the scammer was over two hours old. I wonder if more could have been done to help get the money back if I could have reached someone sooner.
Consumer complaint received 2021-10-01
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: Navient Solutions, LLC. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX  and Navient. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-03-21
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. (MI)

On XX/XX/XXXX, I initially disputed a bankruptcy discharge which was reporting on my XXXX and Experian credit reports. As a result both credit reporting agencies falsely claimed that they verified the account with the US Bankruptcy Court XXXX Michigan. On XX/XX/XXXX, I re-disputed the Bankruptcy account again with XXXX and Experian. As a result both credit reporting agencies falsely claimed that they verified the account a second time. At this point I decided to reach out to the Us Bankruptcy Court asking them to provide me with confirmation that their office verified the account with XXXX  and XXXX. As a result the Bankruptcy Court sent me a letter in writing, which I have attached as proof to this complaint, stating that they do not report individual case filings to credit reporting agencies, nor do they update information directly to the credit bureaus. The month of XX/XX/XXXX, I sent a third dispute to both credit bureaus, with the letter from the Bankruptcy Court attached, informing them that I have proof that they falsely verified the account. I also requested for them to provide me with valid proof of how they verified, and if they failed to provide proof to immediately remove the bankruptcy account from my credit report. I understand that XXXX XXXX is the reporting agency that verifies bankruptcies and other public records. I placed a freeze on my XXXX XXXX profile as of XX/XX/XXXX, which would have made it impossible for XXXX and XXXX to verify. The account still remains on both of my credit reports with XXXX and experian, which has caused me mental and emotional stress, and I have not been able to obtain several financial goals due to this unverified account being on my profile. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the 317 FCRA, unverified accounts must be removed and if credit agencies are unable to provide me a copy of verifiable proof, the account must be removed. I ask that the CFPB demand this action to help me resolve this matter.
Consumer complaint received 2020-11-27
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. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-06-13
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. (VA)

In accordance with the Fair Credit Act XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2022-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

This relates to complaint XXXX for CRM creditors attempting to collect a debt on behalf of XXXX XXXX starting their collection on XX/XX/2022 taking 59 days to respond only to defer me to XXXX XXXX who never contacted me nor had anything to do with me until today XX/XX/2022. 

The first complaint is that their verification letter cites a XXXX XXXX who never saw me nor was I admitted under or discharged by anyone. The nurses kicked me out as I had to protest against their attempt to Baker Act me despite being cleared earlier by a psychologist still having an hour long video including the police response to catching them lying about me seeing the psychologist. They never properly discharged me or notified me of any debt until months after when CRM sent a final notice as their only notice to me. 

I then went to verify this as it was perposterous I was always sent a letter from XXXX XXXX XXXXXXXX. After 59 days I was told to send my insurance to XXXX XXXX who I do not know and have no information about. I require everything in writting as I do not do well on the phone and XXXX XXXX appears to have no company information online outside of their multiple addresses. The verification letter claims they operate out of XXXX but according to all online sources I've seen that is not true as they only operate out of " XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX that has only one practice medical office located in XXXX XXXX FL '' I do not know how they managed to get any and all of this information without it being illegally traded as I was never properly discharged.