davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

Select Portfolio Services employees stole my Identity, created a new loan with a new loan number calling themselve the LENDER and SERVICER yet they provide the TrustXXXX information . 
I have no contract with SPS nor do they have any rights to collect nor will they receive XXXX XXXX. 
I caught XXXX XXXX emmployees in Wrongful Foreclosure with case now in Appeals. The Mortgage and loan is paid off. The new loan created via Identity Theft without Right, Consent or Contract now just costed SPS $ XXXX and 18 USC 1341/1342 Violations. 
Attached is the Foreclosure defense handbook which exposes everything. I also have a Securitization Audit from a U.S. Private Investigator proving Mortgage Fraud. 
I attached an Allong to the Note. XXXX and I also sent in a Affidavit Of Rescission OF Signatures which was never rebutted. 
So, fact is, SPS and the Employees are caught red handed in Contract, Bank, Mortgage, Mail and Constitutional Fraud trying to extort XXXX and i via ARTIFICIAL-LEGAL-PERSONS. 
I figured out the ENTIRE LEGAL/LEGALESE system Fraud forcing Involuntary slavery/servitude ( XXXX XXXX Violation ) via Grammatical deception, ARTIFICIAL LEGAL PERSONS, a criminal argot called Legalese/ASL/GLOSSES/SIGN-LANGUAGE with people using Color Of Law/JOB to steal property no man, woman or Corporation lent any money towards. 
If SPS can not prove XXXX ( Origional so called lender ) actually lent its own money ... SPS is out millions for this Fraud and Extortion attempt. 
SPS can take a hike. The Loan and Mortgage are PAID. There is no contracts with I and SPS and there never will be. 
If a banker sends a man with a XXXX to my house like XXXX XXXX did in attempts to steal it again = Domestic Terrorist and I will use whatever force I deem necessary to protect my family/property from a De Facto Government Service Corporation Employee who has no rights to be on my Private Property. 
SPS literally has been caught creating new accounts/loans without proper contracts. 
The Deed Of Trust is Violated and they even sent proof their new loan created via Identity theft is Securitized. This who situation is pure Fraud. 
Burden Of Proof is on SPS to provide the Contract, Note and proof there's a Lender named XXXX or they're being sued for Millions, simple. 
This is a Racketeering scheme involving XXXX XXXX XXXX and XXXX XXXX. 
It is DEMANDED/REQUIRED the Accounting Records and Chain Of Title Be Produced.

SPS is caught in some real crime and Fraud. 
XXXX and I are non-citizen nationals on a DO NOT DETAIN list verified by a Sheriff who ran our passports. This isn't a joke = 18 USC 112 Protection. 
SPS has been faxed the Audit, CEASE AND DESIST mail back, they keep sending mail = Harassment and Mail Fraud. There is no DEBT from SPS I agree to pay and not going to pay. I owe this property. SPS now owes me Compensation. NO STANDING TO COLLECT OR FORECLOSE
Consumer complaint received 2023-04-08
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX, Account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

The following below is all inaccurate information on my credit report under the Account Name XXXX.

The Date Opened, High Credit, Last Reported, Date Last Active, and Date of Last Payment.

I would like it to please be removed immediately. There has been an attached document with more details supporting the inaccurate information below.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2021-08-27
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. (GA)

To whom it may concern, I sent a Multiple Inquiry Removal Letter on XX/XX/2021, XX/XX/2021 and XX/XX/2021 by certified facsimile in order to dispute information, in regards to 7 hard inquiries, that were being reported on my credit report. They received all 3 of the letters and did not respond at all! According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from it's files. The fact that I did not receive a response proves that there was no investigation into the matter at all, even though I requested it. I plan to move into a new home by the end of this year and having this many inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything not did I give verbal confirmation for my credit to be accessed. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent notice to Equifax to investigate accounts on my consumer report that are inaccurate. I have not received a response from them as of yet. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In General. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The law plainly states that a failure to investigate these items within 30 days gives a reason to immediately delete those items or information from my consumer report. It has been 30 days so the accounts should be deleted promptly. 

They are inviolation and the accounts need to be deleted from my consumer report.
Consumer complaint received 2022-08-20
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. (MI)

I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX  XXXX ( Auto ) XXXX ( Bank ) XXXX
Consumer complaint received 2022-06-28
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. (CA)

I sent a letter on XX/XX/XXXX requesting that Equifax reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Late Date XX/XX/XXXX XXXX XXXX  XXXX Late Date XXXXXXXX XXXX XXXXXXXX Late Dates XX/XX/XXXX
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (PA)

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 2019-10-24
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. (GA)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (NY)

I first tried to open an online savings account with Marcus by Goldman Sachs on XX/XX/2022 around XXXX XXXX. They requested that I need to call them up for further clarification. On the call, I was informed that my application to open an account was declined but the representative refused to give me a reason why the account was declined. They asked me to try calling them again in their normal working hours and maybe I could get some more information on the reason of rejection. 

I called them again on the morning of XX/XX/2022 at XXXX XXXX, but I had lost my application reference ID from last night since I accidentally closed the tab. I asked the representative my next steps, and asked if they could do a manual evaluation. They asked me to do a telephonic application which would then be followed by the manual evaluation. I provided all the information to them, and during the evaluation, I was declined once again and once again, I was refused any information on why my application was declined due to " security reasons ''. I asked if they use XXXX or XXXX XXXX XXXX to verify my identity so that I can fix any errors on my file with them. Once again, I was refused any information on this matter. I believe it is a federal right for banks to disclose the reason for declining to open an account, and I understand that maybe they could not have done that over the phone. Hence, I am writing this application to try to obtain the information via proper channels. 

I understand that under the Patriot Act, it is now more difficult for foreigners to open bank accounts. I am a citizen of XXXX and I have a valid passport along with all other documents. I would like to point out that I was never asked for a copy of my passport, lease agreement, utility bill, or any such document to further verify my identity. I am more than happy to furnish more information. 

Please let me know my further steps in this regard. I simply wish to keep my money in a savings account, and I would like to know if there are any errors on any of my reports so that I can fix it in the appropriate place.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have tried on several occasions to verify the said debt of {$1000.00} with Portfolio Recovery Associates LLC ( PRA ). In XX/XX/XXXX the item was disputed with all 3 major credit bureaus which should have triggered a full investigation to validate the debt. PRA simply responded with a copy of a statement showing a balance of {$1000.00}. They indicated the debt was transferred from XXXX XXXX. This balance of {$1000.00} is being disputed. I have asked PRA to provide detailed statements showing how the balance was accumulated. Their documentation is not sufficient. The most recent statement which is dated XX/XX/XXXX only shows a final balance. The debt was disputed again in XX/XX/XXXX and I received another statement in response to the dispute. I sent these statements to the credit bureaus in XX/XX/XXXX and advised the debt is being disputed. The credit bureaus claim the debt was validated but they have not verified their method of validation. This information requested needs to be provided or removed from my credit immediately as this is a violation of FCRA & FDCPA.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Figure Technologies, Inc (AZ)

In my XXXX credit report, I found Figure made a soft credit inquiry on XX/XX/2019. According to Figure 's website, they are a home equity company. We have never had nor have we ever requested a home equity loan. Due to the growing problem of title fraud, I'm concerned about Figure 's  request for my credit information. 

Figure information - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA, XXXX Customer Support : XXXX Website : XXXX : XXXX
Consumer complaint received 2022-05-16
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)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! 2 years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, 3 secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had 3 secured credit cards while paying my debt off!
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank (SC)

In late XX/XX/2022, I wrote a check intended to be for {$9000.00} to someone from my personal checking account at Synovus Bank in XXXX, SC. Unfortunately, I wrote the check ambiguously and it should have been rejected by the receiving bank. The check was cashed at XXXX Bank in NC ( with whom the recipient banks ) for {$9000.00}. Days later it cleared Synovus for {$9.00} ( see attached ). When, I looked at the check image, I saw the confusion and approached Synovus for advice on how to handle it. I contacted the recipient who verified that it had cleared for {$9000.00}. Synovus sent the balance of {$8900.00} to XXXX on or about XX/XX/2022 with my approval ( see attached ). XXXX claims to have never received this transfer and months later changed the cleared amount from the original {$9000.00} to {$9.00} claiming to have never received the funds causing a nearly $ XXXX shortfall in the recipient 's account at XXXX. I have contacted Synovus multiple times and have been told the money was sent and it is not their problem. The recipient has contacted XXXX multiple times and has been told they don't have it. I filed a complaint with the FDIC who sent me to the Federal Reserve who sent me to you. {$8900.00} is lost and neither bank can/will find it. This should not be possible in an electronic, protected banking environment. All I am asking is for them to make the effort to find the money and return it to me so I can write a new check or send it to the recipient where it belongs. 

In retrospect, I should never have agreed to the {$8900.00} transfer, but I had no idea that the money would just disappear.
Consumer complaint received 2022-05-16
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. (OK)

I have tried SEVEARL times getting this FTC report to XXXX, Equifax and XXXX. I have tried uploading it only and have even tried mailing it. I mailed it several weeks ago. Please get the attached FTC report to them ASAP.
Consumer complaint received 2024-10-17
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. (AL)

I am writing to formally express my concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite multiple previous requests for a thorough investigation into these inaccuracies, I have yet to receive a resolution or any corrective action.

These erroneous accounts are causing significant damage to my credit file, severely impacting my ability to maintain a stable financial situation. The negative consequences of these inaccuracies have placed immense hardships on my daily life. I am now left with no choice but to seek your immediate assistance in rectifying this matter.

I kindly request that a thorough investigation be conducted into each of the disputed accounts on my credit report. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. Your prompt attention to this matter is critical to restoring the accuracy and integrity of my credit file, which is essential for me to regain control over my financial well-being.

I sincerely urge you to prioritize this issue and take swift action to resolve it. Your cooperation and support in addressing this situation would be greatly appreciated.

Thank you in advance for your understanding and assistance.