davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the immediate update or removal of the following items : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit continues to call and harass me about the debt of someone whom I DO NOT KNOW and have informed it of such on the first call to XXXX. Despite me telling its reps that I DO NOT KNOW WHOM THEY SEEK AND TO CEASE CALLING, they still continue to harass me with calls from various numbers, including XXXX ; XXXX ; XXXX, just to name a few. The latest call was on XX/XX/22.
Consumer complaint received 2023-04-04
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. (NY)

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts : XXXX XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NC)

Got a card in the mail today XX/XX/2024 stating that my contact information has been updated. The card read, Recently, we updated the address for your Wells Fargo accounts in response to your request or a notification we received from United States Postal Service. The reason we sent this postcard to your last address on file is to ensure that in fact you have changed your address ; Your address has been updated on the following accounts : WELLS FARGO XXXX XXXX XXXXXXXX XXXX XXXX XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX After I received the post card and read the content thereof, I went to the nearest Wells Fargo and show them the card and that I in fact did not open up these cards and asked them to close the accounts and debit cards. So the associate assisted me with that and gave me the information to the Federal Trade Comission.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-01-23
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. (VA)

I cant believe I need to wait for more than 45 days just to see that there is nothing Transunion done with this dispute. Am I being ignored? This causes me stress seeing that these accounts that isn't mine is on my report and damaging my credit. I patiently done a dispute with them but this is too much.
Consumer complaint received 2023-01-19
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. (NJ)

I disputed a late payment for XXXX XXXX acct # XXXX datedXXXX with Experian on XX/XX/2023. The item was not deleted. They are reporting unlawful negative information on my credit report. I also I was not given the option to opt out of such reporting. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party
Consumer complaint received 2022-12-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Trust Management LLC (LA)

XX/XX/2022- XXXX XXXX contacted my stepfather, XXXX XXXX and my ex-wife XXXX XXXX about my debt and relayed personal information concerning the debt. 

XX/XX/XXXX XXXX XXXX contacted my stepfather, and my ex-wife about my debt and relayed personal information concerning the debt. Also asked for a payment from my ex-wife, whom has no connection to this debt. 

XX/XX/2022 I contacted the Floor Manager XXXX XXXX and requested the harassing phone calls to XXXX parties stop and that only I be contacted. I requested that proof of the original debt be provided to me. Only balances and name of original creditor were provided, not the proof of original debt as required by law and the phone calls to XXXX parties have continued. 

XX/XX/2022 XXXX XXXX contacted my ex-wife, and discussed my debt with her again. 

The contacting of XXXX parties has caused considerable problems for me both personally and professionally as my stepfather is also a sometimes employer of mine and it is imperative that I maintain his confidence and my ex-wife feels that I am causing her to be harassed. 

I have been making steady payments in good faith to pay this debt and the harassment is completely unnecessary.
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (FL)

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 Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX 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 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (VA)

In XXXX of XXXX I began making larger payments on my account. When you make payments in the app, no receipt of the payment is generated. XX/XX/XXXX payment was {$67.00} over, XX/XX/XXXX payment was {$380.00} over, XX/XX/XXXX payment was {$410.00} over, XX/XX/XXXX payment was {$410.00} over - for a net of {$1200.00}. In XXXX I first noticed that my statement balance was not moving down as it should. I called to complain on XX/XX/XXXX, and was told that OMF would adjust the payments for me. I also asked for a receipt for payment. Which I was told I should receive after each payment - ( those receipts only tell the total payment amount, NOT how the payments were applied to your account ). I never received the receipt with the breakout of the payments. 

Again today, I called OMF to ask why the payments have not been adjusted, and I was told that corporate denied the request the week after I called. No one contacted me about it! I asked could I receive a transcript of the conversation with the first agent, and the notes, I was told no. 

My complaint is that OMF is engaging in predatory lending by : 1 ) encouraging use of their application to make payments and then " hiding '' the payment breakouts ( screenshot of the payment screen included ) 2 ) Not providing immediate full accounting of payment related activities by way of an emailed, and/or mailed receipt 3 ) Providing inaccurate information ( agent promised adjustment and corporate denied ), then not following up with the customer by call and email 4 ) refusing to furnish the detail of conversations about customers own account - the agents begin each conversation with the announcement that the call is being recorded. The recording of that call should be for the consumers benefit not just the lenders. 
5 ) Interest is a timed based element of financing, for every month that I made an overpayment, even if not applied to the principal, the interest should decrease based on the early payment of the next months amount due- which didn't happen either. 

The chosen method of accounting for an overpayment is to the advantage of OMF and not the consumer. The consumer should be made aware of what their options are at the time of payment, and/or the over amount should default to decrease the principal balance ( thereby decreasing the overall interest due ). OMF provides services at the very high end of financing rates, greater than 20 % - my own is 24.9 %. I entered into this engagement because I was a business owner struggling through the pandemic and had no other option.
Consumer complaint received 2024-09-23
Product: Credit reporting 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. (FL)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

TO : CFPB and other monitoring government agencies This is my third request for Wells Fargo to answer just one question..Where 's the money? 

How can they just ignore your services and my right to know request? 


TO : Wells Fargo Your request for information to support my claim ... ... .READ THE LAW SUITE !
Consumer complaint received 2022-11-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I am XXXX XXXX XXXX veteran and I am exempt from paying property taxes. My issue is with Lakeview loan mortgage company. I went through all the right channels, paperwork, and my town meeting for the approval for my tax exemption. I submitted my resolution letter and other documents from my town that was required by Lakeview loan mortgage company. They received all of it and for about 6 months everything was good. Then Lakeview billed my sent a check to the town as if I was still paying taxes. The town sent it back to Lakeview stating I am tax exempt which Lakeview already knew. I call Lakeview and no one can give me an answer as why they keep sending the town a payment which is making me have escrow shortages and the escrow advances. Im stuck and dont know what to do. Please help me.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX was reporting my home as in foreclosure when it was not. They were trying to distort out of extra money and fees. I tried to hire an attorney, but they were trying to charge me too much This is what FHA was reporting : Thank you for contacting the FHA Resource Center. The information you requested in response to the above referenced service request number is provided below : If the information does not fully address your question, please forward this email ( do not reply ) to XXXX, and provide additional information so that we may better serve you. You may also speak directly to a customer service representative by calling XXXX ( XXXX ) or visit our online knowledge base at www.hud.gov/answers, 24 hours/7 days a week. 

Your question was regarding XXXX XXXX HUD has not paid an insurance claim in FHA Case # XXXX. Case # XXXX is reported to XXXX for being an FHA mortgage in Default. The lender/servicer Wells Fargo Bank NA is reporting to HUD that the FHA Mortgage XXXX in default as of XXXX XXXX with an oldest unpaid installment date of XX/XX/XXXX with the mortgage being 3 months delinquent. 
My house was in the process of being sold, it was on the market. They cost me thousands of dollars, right when I was about to close. I tried to hire an attorney, but it would had cost to much. 

I had to pay Lexington Law to clear-up my credit report due to Wells Fargo 's false reporting Dear XXXX XXXX Lexington Law Michigan requires the credit bureaus to uphold their statutory obligations to consumers with regard to fairness and accuracy of their credit reports. In accordance with that mission, we have sent legal challenges to XXXX on your behalf. 

Items Challenged on XX/XX/XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting 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. (TX)

I was a victim of the XXXX data breach please delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached is a screenshot where I put my name and last 6 of my SSN and was notified I was a victim of this incident.

Best regards
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The Date of Last Activity is reporting inconstantly across all 3 credit bureaus. If this account was properly verified all information should be reporting the same. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MD)

I paid my entire account balance of {$900.00} with Comenity Bank ( Express Credit Card ) on XX/XX/2022. Their website was down most of the summer, and so I called that day to make my payment. Finally in XXXX their website was back up, and I was able to verify my payment went through and shows a {$0.00} balance. During this entire time frame Comenity Bank stopped reporting to the credit bureau, their last update shown is from mid XXXX. This has been dragging down my credit score for 5 months now. It should show a {$0.00} balance, and not have any late payments for this credit card because the month I received my statement for {$900.00}, I paid it off entirely that same month. 

In XXXX I reached out to Comenity by phone again to have this resolved, and was told the credit bureaus would have to sort it out. Comenity Bank now is ran by Bread Financial. 

Today I just submitted disputes with all three credit programs XXXX, XXXX, and XXXX. I really need this to be removed from my report immediately, as I am under background investigation for my new job, and do not want this to negatively impact me.