davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (TX)

In accordance with the Fair Credit Reporting Act, Acct- XXXX  XXXX   acct # XXXX has violated my rights under 15 USC 1681section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX acct # XXXX XXXX has violated my rights under 15 USC 1681 section 602 A states that I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX  XXXX acct # XXXX has violated my rights under 15 USC 1681 section 602 A states I have a right to privacy, also under 15 USC 1681section 604 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with any debt. 

In accordance with the Fair Credit Reporting Act, Acct- XXXX XXXX has violated my rights under 15 USC 1681section 602 A states I have a right to privacy, also under 15 USC 1681 section 604 A 2 : It states a consumer reporting agency can not furnish a account without my written instructions. And under 15 USC 1692 C Without the prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection of any debt.
Consumer complaint received 2024-12-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC (KY)

The credit control company contacted someone else giving them my personal information. Including social security number and that is unexceptionable. A coworker of mine contacted me and told me they did it to him and his girlfriend. They sent me screenshots of the msgs they were getting for me. No telling how many other people they sent my personal information to. 
I have already contacted XXXX numerous times telling them I sent in the equipment they wanted. I shouldnt be charged for it.
Consumer complaint received 2024-10-30
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. (IL)

I will keep on REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX. My birthdate is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim.

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX INT Account # XXXX XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have several issues with my credit report, There is a Alias name that is wrong and there are 4 wrong employers listed and 2 previous addresses listed that I never lived at. Also there are several accounst that say charge off and date of last activities are not correct and an account I was never late on and an accounts that do not belong to me. There is a detailed letter of explanation attached
Consumer complaint received 2024-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

{$800.00} was fraudlent debited from my account via XXXX. My bank Wells Fargo refused to refund nor try to recover my funds. My claim # is XXXX. I want my money refunded back to me, however Wells Fargo is refusing to assit me.
Consumer complaint received 2024-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

In XX/XX/XXXX  I refinanced my home changing my mortgage company from PennyMac LLC to XXXX XXXX XXXX. 

PennyMac LLC produced a payoff letter XXXX XX/XX/2024 ( XXXX  ). 
XXXX XXXX XXXX paid the payoff amount on XXXX XX/XX/2024 ( XXXX ). 
PennyMac LLC product a Paid-In-Full letter XXXX XX/XX/2024 ( XXXX  ). 

On XXXX XX/XX/2024 PennyMac LLC tried to deduct another payment from my personal account which was rejected by both my financial instituation. 

Starting XX/XX/2024, PennyMac LLC started sending letters to me that I still owed them money although when logged into their account in XXXX, my account shows {$0.00} balance ( XXXX  ). 

Starting XX/XX/2024, PennyMac LLC has now been sending me letters, calling, and have changed my online account to annotate that I now owe them a payment for XX/XX/2024 and XX/XX/2024 even though the loan has been paid. They are furthermore starting to send me notices that my VA eligibility will come into question due to the delinquency of my loan since it was a VA funded loan. They has been over 4 hours of phone conversations with multiple people in their company who all claim that they have no ability to help it but provide no support to connect the appropriate level of supervisor. As of XXXX XX/XX/2024, both myself and my representative from XXXX XXXX XXXX called the company on a recorded conference call which lasted over 90 minutes that 3 different representatives validated that my loan had been appropriately paid, on time, in the full amount and was fully paid off but didn't know why I was still being charged but could not provide support to fix it. The call was transferred to the point that the company said they could not do anything and would have to further " escalate '' it and would reach out to me in a few days. 

This morning, XXXX XX/XX/2024, I have received a notice from PennyMac LLC that they have placed a new payoff document in my file to close out the loan ( XXXX  ), trying to say I owe them more money after we have multiple personnel from their company already identifying that I already paid off the loan in XX/XX/2024 on the recorded line from PennyMac LLC and the recorded line from XXXX XXXX XXXX. 

There is a concern they are targeting me for additional money and using the threat of it effecting my credit and VA eligiblity standing as a forcing function to get more money from me after already receiving a closed out loan.
Consumer complaint received 2024-10-30
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. (IN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To whom it XXXX concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of he information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
I demand the the following account be validated or DELETED from my Experian Credit Report immediately : XXXX. XXXX XXXX BANK XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (NY)

This started when I received a credit alert both from my bank XXXX XXXX and XXXX XXXX stating that my credit score had changed. After checking the score I found this had nose dived from near perfect to the low 700s. Upon further checking with XXXX I noticed I had been put in for collection for an amount of {$1300.00} by a company called XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX NJ XXXX on behalf of their client " XXXX XXXX  ''. Not only do I not have any account with XXXX XXXX  - and never have - but I have also never been contacted by XXXX XXXX directly, as I said the only reason I even knew about this was because of the credit alerts from XXXX and XXXX. I have spoked to Experian and opened a fraud dispute which will take 30 days to resolve, and I will do the same with XXXX and XXXX. This is complete fraud and a review of XXXX on the local XXXX XXXX XXXX reveals that they have had 80 complaints about their business practices in 2022 alone, including an identical situation to mine involving XXXX XXXX, which leads me to question as to whether this XXXX is in cahoots with their clients attempting to extort money from unsuspecting victims. I need this to be removed from all credit reports and an investigation should be launched into business practices of XXXX Experian confirmed they will investigate under report # XXXX
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My XXXX XXXX XXXX only address is XXXX XXXX XXXX. XXXX XXXX Place of Employment is XXXX this the correct information that belongs on my credit report nothing else..
Consumer complaint received 2024-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

This account was reporting to XXXX, XXXX and XXXX last year. I had it removed for inaccuracies as well as unable to validate. IC Systems buy it and change the information and start reporting again. I have disputed it now XXXX  times and each time IC Systems verifies that all the information is accurate. Heres an example of the intentional manipulation IC Systems engages in > date account opened XX/XX/year> If it was reporting last year as clearly states on my upload docs, then it could not have been open 6 months ago. 
Additionally IC Systems has ignored my certified letter sent to them requesting validation of account. ICSystems is an unethical unfair, reckless and devious company who intentionally manipulates the system to further the consumers damage extending the life of a debt. 
The have damaged my credit worthiness long enough violating my civil rights. Enabling me from being approved for any kind of credit at all. 
DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL CREDIT REPORTS REPORTING IT, BELOW IS THE DIDPUTE ABOUT IT DIRECTED TO CREDIT REPORTING AGENCIES Back in XXXX XXXX XXXX XXXX  XXXX and XXXX were XXXX this XXXX XXXX XXXX XXXXccount in collections with XXXX XXXX XXXX. It was disputed back then and removed. Recently IC Systems bought it from XXXX and started reporting it again. Now if this account was being reported in XX/XX/XXXX, It could not have been open in XX/XX/year> as IC Systems has now verified XXXX  times over. IC Systems is intentionally manipulating crucial information, which has harmed my XXXX XXXX. This is intentionally done and XXXX. XXXX and XXXX is allowing it to happen. This tradeline needs to be immediately deleted from all XXXX agencies once and for all. IC Systems should be put out of business. My civil rights have been violated and my health has suffered due to this issue. THIS IC SYSTEMS ACCOUNT IS BEING REPORTED INTENTIONALLY INACCURATE TO ENSURE IT REPORTS LONGER THAN IT SHOULD. WITH HIGHER AMOUNTS AND THEY REFUSE TO PROVIDE ANY VERIFICATION UPON REQUESTED, PLEASE DELETE THIS ACCOUNT IMMEDIATELY. ( see attachment )
Consumer complaint received 2022-09-23
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. (MD)

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

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 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 2024-10-19
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (NJ)

RE : Cease and Desist Demand Dear Sir/Madam, I am writing to formally request that you cease and desist all collection activities regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) As, there is a negative impact on my credit score for the amount of {$200.00} as of XX/XX/year>. I am exercising my right to request that you stop all communication with me regarding this alleged debt. 

Please be advised that I dispute the validity of the debt you claim I owe. I am requesting no further contact, whether by telephone, mail, or any other form of communication, including calls to my place of employment, home, or to third parties. Any further contact from your agency may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states attorney generals office for violation of the FDCPA. 

Please take notice that I demand the following : 1. Immediate cessation of all communications regarding the collection of the alleged debt.

2. That you inform all third parties or affiliates working on this matter of my request for the cessation of all communications. 

This notice is effective upon your receipt of this letter. I request written confirmation that you have complied with my request within 30 days of the date of this letter. 

Failure to comply with this cease-and-desist request will leave me no choice but to pursue legal action to protect my rights. Thank you for your prompt attention to this matter.
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX When I applied with for this loan at the XXXX dealership I also had other financing options. USAA gave me a fixed rate of a high 4 % because I didn't enroll in autopay. Then last year sometime as I was making my payment I noticed my rate was in the mid XXXX 's. I'm super busy and didnt make time to call in and address. When I paid off my car, the rep I spoke with mentioned that I had a 6.09 %. I'm a mortgage loan officer so rates don't confuse me and I shopped my options. I know I didn't agree or sign disclosures for a 6.09 % with a credit score in the mid XXXX 's. I called in and the rep said my initial disclosure was the 6.09 %. I did not sign this rate, I reviewed my docs before and knew my options. USAA was hacked and please forward this to the appropriate dpt. I've reported this with the FBI because I believe I'm being personally attacked as this has followed me else where. If you listen to the phone calls and they are scrambled it's because those calls were edited and hacked. As I've experienced this in the mortgage industry.
Consumer complaint received 2024-10-18
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: SANTANDER HOLDINGS USA, INC. (FL)

This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report from all three credit reporting bureaus.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion Refuse to update my Credit file to XXXX  XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX  XXXX they stated we receive but will not update also XXXX XXXX will not update my file also to XXXX  XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy