davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (GA)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.
Consumer complaint received 2022-09-26
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. (IL)

On XX/XX/2022 I submitted a complaint concerning a problem with the credit reporting company 's investigation into an existing problem. Two accounts are being reported inaccurately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

According to the FRCA the term investigative consumer report means, " a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' This never took place. Although the investigation was said to be verified, a proper investigation was never completed. 

Furthermore, 15 USC 1681 ensures that all information reporting must be accurate. When provided with documented proof that both accounts in question are not being reported accurately, the company 's response was, " Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently. '' Is this to suggest they can pick and choose which laws to adhere to while dismissing others at their discretion? 

Additionally, I never gave the company written instruction to furnish said information as per 15 USC 1681b ( 2 ).
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

A law firm is trying to collect a debt payment that has been paid. Per Midland Credit Management statements, dated XX/XX/21, attached, I have paid a total of {$5400.00}. A total of {$5400.00} has been paid to the agency/law firmand should be considered paid in full, per official statements from Midland Credit Management XXXX who holds the account. 

I try to call the law firm ( XXXX, XXXX, XXXX ) and get atrocious hold times. Ive emailed with no response. I disputed w credit reporting agency ( at least one of them - the others are on my to do list ).

Mind you, it has been 12 months since I had any communication w this company and NOW they threaten me with moving forward with judgement within 10 days of letter if they get a payment within 5 days of the date of the letter? No more payments will be sent to their agency or law firm.
Consumer complaint received 2022-01-25
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. ()

XX/XX/XXXX Creditor : XXXX Amount : {$890.00} Collection Agency XXXX XXXX Letter sent to my parents home address in North Carolina. This is my US address and I moved to XXXX with my husband and family in XXXX Sent all documentation of proof of my XXXX address, Passport, Permanent Resident Card, Utility bills and followed XXXX  ID Theft Claim Process as was advised Called all three credit agencies and out a fraud alert account Spoke to someone at FTC, but was not able to file a report or police report due to be in XXXX and no idea who has my Social Security number I was given information that the address was used XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX for the months of XXXX XXXX ( I have lived in XXXX, XXXX, since XXXX and bought my home in XXXX ) XX/XX/XXXX spoke to XXXX and was told it was cleared up, however, it still appears on my credit agencies list of debts and is affecting my credit rating. 
XX/XX/XXXX Creditor : XXXX XXXX Amount : {$650.00} Collection AgencyXXXX XXXX Letter sent to my parents home address in North Carolina XXXX I called XXXX XXXX and explained the situation, they asked me to fax over proof of my address in XXXX and ID documents etc, which I did. I also sent the XXXX information. 
XXXX XXXX made me aware it was the same address in XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought I had taken all steps to recify this situation. I was not able to file a police report. I do not live in the US. I live in XXXX and it has been Covid. I have no idea who is commiting these crimes. I called all three credit agencies and the FTC and put all alerts on. However, in XXXX of XXXX, I just recieved a new collection notice. 

XX/XX/XXXX Creditor : XXXX XXXX  Amount : XXXX Credit Agency : XXXX XXXX XXXX XXXX A letter was sent to my parents house in North Carolina in XXXX, XXXX addressed to me. 
I called XXXX and they made me aware this was the SAME address in XXXX ... this person is still using my Social Security Number for over 2 years to open accounts. 
They opened XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX. 
The address is XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX I called XXXX and let them know. 

Can you please help me?? This is severly affecting my XXXX XXXX. I want to cancel my Social Security number.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have been trying to resume payments on my mortgage after I was given a payment suspension due to Covid. 

I called Wells Fargo somewhere in XXXX that I wanted to resume payment. They said they will call me within a week after processing my request. I did not receive a response for close to a month. 

I called again and literally forced the Agent to take my payment and put my payment details down on autopay. The Agent said he couldn't process my autopay, and that, an Agent will call me later for the autopay information and processing Many months passed without hearing fr wellsfargo. Why should I struggle to make payments on a loan? 

From middle of XXXX, XXXX I resumed calling wellsfargo to see if this thing could be rectified so I can start making payments. When I call, the answering machine takes my social, directs me to a specialist assigned to me, and that ends the story- the line is either dropped or sent to voicemail. 

On XX/XX/2021, I received an email from wellsfargo, claiming that my application ( i don't know what freaking sham application they're referring to ) has been approved and that I should start making specific payment amounts, starting XX/XX/XXXX, every month for XXXX XXXX before I will be able to start normal payments on my mortgage. 

THE INFORMATION ASKED ME TO CONTACT MY HOME SPECIALIST TO ARRANGE PAYMENTS AND THAT I SHOULD PAY THE EXACT AMOUNT QUOTED- {$3000.00}. 

Ive been trying ever since to contact Wellsfargo specialist to make payment. As Ive experienced for close to a month, my calls go to voicemail after entering my social security number. 

Ive tried paying online, but the amount on my online payment is higher than what I was instructed to pay ( plus wellsfargo did not even give me instruction to pay online ). Ans wellsfargo does not allow you to put in or pay other amounts. 

I even tried making payment over wellsfargo mortgage phones machine. After entering details, I am told I owe {$0.00}. 

Ive called wellsfargo several times, and my home Specialist. I call on my way to work at XXXX, and on my way from work at XXXX, almost everyday. Today is XXXX, the day I am suppose to make payment and there is literally no way dor me to make payment. 

I see all this as a ploy to frustrate me, make me feel comfortable with not paying my mortgage as they pile up on my debt, and make profits, and even more. 

I think it is very bad practice to set up customers to fail, in order for wellsfargo to profit. 

There are many other unethical things Ive found since my payment suspension, but I will leave that for another time. For now, I need to make payment. Ive been crying and begging to make payment for close to XXXX XXXX
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2019-03-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Check City Partnership, LLC (NV)

The attorney XXXX XXXX XXXX on behalf of Check City Partnerships LLC doing business as Check City in Nevada did not provide me with the requested documents of debt validation or debt verification they told be I took out a loan and did not provide any signatures when requested on the loan documents. they only showed me someones bank account which was a breach because the account was not my bank account so they willfully gave me someone else financial information which I discard. I have not received any information and find out I have been sued by the company and the scrupulous company and attorney. I have also filed a compliant with the http : //ag.state.nv.us/ of the business practices and will file the issue with the XXXX and the FTC as well XXXX
Consumer complaint received 2022-09-26
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (PA)

In XXXX of XXXX I had to have a medical procedure that was deemed important and necessary. I had medical insurance, XXXX XXXX, through my employer, XXXX XXXX. The medical procedure required me being anesthetized. I went to a medical provider in network. I was not told that the XX/XX/XXXX was not in network, and was not given a choice. I was also not given a bill at time of service. In XXXX, I had been mailed a bill from XXXX XXXX XXXX XXXX XXXX, of XXXX XXXX, NY. It was for more than {$2000.00}. I immediately notified both my employer and the insurance company, XXXX. Someone said they would look into it, and I figured that they would. In XXXX, I was sent to collections. As I was no longer working for the same company, the employer could have cared less and were no help. I reached out to XXXX, and one person there acknowledged that this should have been paid, and promised it would be taken care of. Six months went by, and this was still on my credit. I have no confirmed that the insurance company has actually paid the bill. However, XXXX XXXX XXXX XXXX XXXX, while having received payment, has refused to take this off of my credit. It has now been since XX/XX/XXXX that this has been paid, and I have the statement of benefits from the insurance company that it was paid and nothing due to me. This remains on my credit still, and no one at XXXX XXXX XXXX XXXX XXXX will assist, as they sold off the debt apparently to an in house collection agency.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MN)

Please reference previous CFPB complaint XXXX. 

Previous complaint filed stating company had failed to validate the above mentioned debt. The company responded to initial complaint stating they would validate the debt and provide the requested information. 

As of today, 30 days later the debt is being reported, has not been validated, in violation of the FDCPA.
Consumer complaint received 2022-09-26
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. (NY)

In accordance with the Fair Credit Reporting act, XXXX  accounts 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 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/XXXX at XXXX XXXX EST, I made a 14 minute and 34 second phone call to Portfolio Recovery Solutions. I negotiated a settlement of {$370.00} om my balance of {$690.00}. The representative said I could get a settlement paid letter that same day if I agreed to pay it off. I made the payment and then she said they can only mail it out regular mail. I was told it would settle my account in full but they are reporting that I dispute the debt, AFTER resolving it. I asked to speak with a manager and she addressed me as " dear '' which I find very inappropriate and i viewed it as harassment. I called the next day and the said they submitted the request for the letter and they could not tell me when I would get a letter bit assured me the account was resolved after completing the settlement. I still have no record of the settlement being completed and now they updated my CBR to something inaccurate, respectively to what actually happened, in violation of the FCRA. They violated UDAAP by saying the account would be resolved as a settlement in full when that is not what actually happened and as well as promising me a paid letter the same day which was not done. I would not have made the payment if the representative would have told me that.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (PA)

PLEASE REMOVE FROM REPORT. 

I HAVE GOT HARRASSING PHONE CALLS FROM COLLECTOR. I DID NOT SIGN ANYTHING IN WRITING STATING I OWE THIS. THEY CALL AND HARRASS MAKING THREATS
Consumer complaint received 2022-09-26
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. (TX)

XXXX XXXX consumer and natural person am aware of all rights that I have and  
which are protected by The Congress under the Fair Credit Reporting Act (FCRA). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot 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 of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-09-26
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. (IA)

On or about XX/XX/2022 I disputed the completeness and accuracy of a trade line reporting on my consumer report and Experian said they updated the account only for the account to be reporting the same way. This is my final attempt at resolving this before I file a federal lawsuit.