davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 719XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-11
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)

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 
They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.

They also violated my rights under : 15 U.S. Code 1681i section 5.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Please see the attached documentation, including the most recent letter that was sent to U.S. Bank on my behalf. U.S. Bank misrepresented to the CFPB that U.S. Bank was unable to locate a call or record of a payment being received pursuant to the XXXX XXXX XXXX XXXX. But U.S. Bank has received multiple copies of the affidavit of its own employee who witnessed me make my mortgage payment and also witnessed the mortgage dept represent to me that payment had been successfully made. I've also been informed by various U.S. Bank agents that U.S. Bank phone calls are recorded and therefore there should be a voice file as well as a call record for that particular date. U.S. Bank has repeatedly misaddressed correspondence to both myself and my representative and acted with deceit by stating to the CFPB that it could not reach myself or my attorney. U.S. Bank 's response to my first CFPB complaint is full of false statements. I am entitled to receive the same rate and terms for my mortgage that was in the XXXX offer sent to me in XX/XX/2021 and which I accepted. That XXXX  should have never been revoked and I should not be disadvantaged because of U.S. Bank 's error in failing to process the payment when they expressly represented to me that this payment was made/processed successfully.
Consumer complaint received 2020-09-16
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. (NM)

This is an ongoing problem. I will continue to submit complaints until enforced. XXXX  negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a XXXX XXXX XXXX XXXX XXXX New Mexico XXXX Order, the order states the " mortgage and note are unenforceable. '' XXXX is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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. (TX)

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of lnaccurate lnformation and Failure to Correct Errors in Violation of the FCRA To Whom lt MaY Concern, I am following up on my dispute letter regarding the inaccurate information on my credit report ' which Experian has improperly verified. Despite providing my government-issued lD and proof of address, Experian has failed to remove the following inaccuracies : - lnquiry from XXXX XXXX XXXX XXXX XXXX XXXX - lncorrect Addresses : - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX ; XXXX, FL XXXX - lncorrect Names : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Case Law in Similar Situations ln XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX, the court ruled that credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items ' The reporting agency in that case failed to do so by relying solely on the creditor 's information ' Experian is similarly violating 1.5 U.S.C. 168Li by failing to remove the inaccuracies in my report ' despite having provided evidence of my true identity and address ' Additionally, XXXX XXXX XXXX XXXX XXXX ( XXXX F XXXX XXXX, XXXX XXXX ' XXXX ) makes it clear that credit inquiries must have a permissible purpose under the FCRA ' The inquiry from XXXX XXXX XXXX was unauthorized and is in violation of 15 U'S'C ' 1681b ' I did not apply for credit from this company or authorize this inquiry. The unauthorized inquiry is a clear violation of the FCRA and must be removed immediately. 
Violations of the FCRA Experian is currently violating the following provisions of the Fair Credit Reporting Act ( FCRA ) : - FCRA 511 ( XXXX  ) - Experian is required to conduct a proper investigation once I have disputed the information, which I did, providing sufficient proof ' - FCRA 611 ( XXXX ) - Experian is obligated to provide me with the verification details or procedures that were used to confirm the accuracy of the information, which has not been done. 
- FCRA 168Lb - The unauthorized inquiry by XXXX XXXX XXXX XXXX in violation of permissible purposes under this section. 
Despite these ctear violations and my submission of sufficient identification, Experian continues to report inaccurate and fraudulent information on my credit report ' I demand the immediate removal of these inaccuracies. lf Experian fails to comply, I am prepared to take further legal action and report these violations to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed multiple disputes with transunion XXXX  and XXXX  about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XXXX 2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii ) refusing to reasonably investigate and refusing to remove this unverified inaccurate and false information from my file.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NM)

This is an ongoing problem. I will continue to submit complaints until enforced. SLS negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between SLS, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? Specialized Loan Servicing is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against Specialized Loan Servicing and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New  Mexico Court Order, the order states the " mortgage and note are unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense Specialized Loan Servicing
Consumer complaint received 2022-07-08
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. (MA)

XX/XX/XXXX I called Experian company because I could not view my credit report. I found out that I have not received a report since XXXX. The customer service rep. stated that they do not have a report on me and instructed me to call my lenders. I did just that with my credit cards and was told that they report every month to all three bureaus.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 


I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday XXXX XXXX  SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2022-09-11
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. (GA)

This report is not filed by a Credit Repair company or a 3rd Party and is this is not a DUPLICATE Complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 Account Name : US DEPT ED Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Consumer complaint received 2020-09-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX owned my 2nd mortgage which was an interest only structured to be a balloon payment due at the end of the 15 year term. 

They sold my mortgage to Select Portfolio Servicing ( SPS ). SPS made attempts to collect the debt. I received quote payoff amount in the amount of {$26000.00}.

I withdrew my 401k funds and paid {$25000.00}, with intention of paying the less the {$900.00} left the following month so I could be done with this company. I initially tried to pay online but none of their online tools allowed for payments of this size. 

I went to my bank and initiated a wire transfer in the amount of {$25000.00}. 

The funds cleared my account on XX/XX/2020. On XX/XX/XXXX SPS returned {$25000.00} payment. 

When I inquired why, they advised it wasn't for the full amount and have proceeded to call me 10 times a day hounding me about this debt. 

I went to extreme lengths to pay 96.5 % of the debt, and they returned the funds. And now have the audacity to harass me with debt collection calls. It makes no sense and I feel that SPS doesn't want this debt resolved but only wants to harrass and intimidate me. It is very unfair and they should be reported for these wicked practices. 

Not only have they harassed me with constant calls, they have reported derogatory remarks that have taken my XXXX credi score to XXXX. 

This is terribly unfair especially since I paid 97 % of the debt with intention to pay the remaining {$900.00} soon after the funds were sent.
Consumer complaint received 2020-09-15
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. (WA)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-10-14
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)

DELETE HARD INQUIRES : 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
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

I am writing to inform you that my XXXX XXXX credit card was compromised as a result of identity theft. Upon reviewing my recent credit report, I noticed unauthorized transactions and activities associated with this account that I did not authorize or initiate. 

Specifically, the following incidents have occurred : Account Information : XXXX Unauthorized Transactions : unknown Account Charged off amount of {$3300.00} It appears that my personal information was obtained and used by an unauthorized party to access my XXXX XXXX credit card account. I have taken immediate steps to report this matter to XXXX XXXX XXXX XXXX, and they have acknowledged that these charges were indeed fraudulent. I have also filed an identity theft report and initiated a dispute process to address this issue.