davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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. (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2021-11-25
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: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : There is currently an inaccurate item being reported on my credit report from XXXX  XXXX XXXX XXXX University. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX XXXX, TX XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address.
Consumer complaint received 2022-09-18
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. (TX)

All my accounts say " in good standing '', " paid ; never late '' ; only have one open credit card. Worked to pay off all credit except for my one active credit card. Shouldn't that be good for my credit? Instead Experian has just lowered my FICO score from good to fair. Why? Can Experian not count? I had better scores when I had too much credit and bad spending practices. Their reporting practices are unfair. Are they trying to say that too much credit is good? So who are they really helping- the consumer or the companies that want you to owe them money? Paying off your accounts is the responsible thing ; atleast that is what I was taught. But instead, I am rewarded with lower FICO scores so that makes it look like I am a bad credit risk when in actuality, I am really good at paying off my financial responsibilities. You should investigate the credit reporting activities of Experian, especially unfair FICO scores.
Consumer complaint received 2023-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (SC)

Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief agreed by Santander Consumer USA with NY Attorney General for deficiency relief on cars that were violation of Article 9 of U.C.C. The company never to provided a notice before selling the vehicle and no receipt was procured to prove that notice to sell vehicle was given. The secured creditor must take several steps to properly effectuate the sale of its collateral pursuant to Article 9 following a debtors default. Under Section 9-611 of the Uniform Commercial Code, a secured creditor is required, in most circumstances, to send a reasonable authenticated notification of disposition. The notice is intended to provide the debtor, and other interested parties, an opportunity to monitor the disposition of the collateral, purchase the collateral and/or demand any surplus proceeds recovered from the sale. 
Accordingly, a secured creditor must send notice that is reasonable as to manner, content and time. Since the notice must be authenticated, a secured creditor may not give verbal notice to the debtor. A secured creditors notice must be made either electronically or in writing. A creditor that fails to provide this reasonable notice can potentially be held liable for any loss created by its failure to give notice properly of the location and sale date of the vehicle. The sale was not given before the car was auctioned making the sale COMMERCIALLY UNREASONABLE.
Consumer complaint received 2022-10-13
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. (IL)

Equifax reported XXXX XXXX XXXX XXXX Company ) transaction on my report as late payments which decreased my score. According to consumer law no transactions should be reported. 


15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-24
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. (GA)

Several unauthorized hard inquiries have appeared on my credit report, which I did not authorize or initiate. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have disputed these hard inquiries multiple times with the credit bureaus, yet they remain on my report. I have not applied for credit with these institutions, nor did I give permission for these inquiries to be placed on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), hard inquiries are only allowed with the consumers express consent, and these inquiries were made without my authorization. Additionally, the credit bureaus failure to remove these inquiries despite my previous disputes is a violation of my rights under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

These unauthorized inquiries have negatively impacted my credit score and may cause potential denials of credit, further harming my financial standing. I am requesting that these inquiries be removed immediately and that the parties responsible for these unauthorized actions be identified.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-02-24
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: General Motors Financial Company, Inc. (FL)

I have Sent dozens of letters and maid hundreds of phone calls. ive sent multiple Letters to the creditor and they have not abided by what ive requested. 

They have also violated my CONSUMER LAW because they never gave me the option to OPT OUT from reporting this information to a third party! 

15 U.S. Code 6802b GM FINANCIAL account number - XXXX. 
Date opened : XX/XX/2016 via XXXX  Please DELETE ACCOUNT!
Consumer complaint received 2024-10-25
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)

I couldnt believe it when I checked my credit report today and saw accounts that shouldnt be there. Im so careful with my checks, and suddenly, there are all these errors. I refreshed the page, hoping it was a one-off glitch, but the inaccuracies stayed. Im asking that my documents be fully reviewed so I can put this issue behind me once and for all.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2019 American express abruptly shut down down my account and to date has not provided specific information as to why they shut it down. 
I was told only in general terms '' " because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I have asked them a number of times on the phone, via fax, and via chat for the specific transaction that they feel was not used for its intended purpose and they refuse to answer.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

I have lodged multiple disputes with Cach LLC ( original creditor XXXX XXXX XXXX  ) beginning on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed this account as I believe it is not reporting in accordance with Consumer Protection Law ( FCRA and FDCPA ). During this time I have also lodged disputes with the credit bureaus.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Consumer complaint received 2021-11-25
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: Resurgent Capital Services L.P. (PA)

Since the companies, XXXX, XXXX, & XXXX violated the FCRA. I am requesting that the credit reporting agencies removed the fraudulent, incorrect information from my credit report. As soon as possible.
Consumer complaint received 2019-05-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Live Well Financial, Inc. (WA)

My name is XXXX XXXX, XXXX, I work for XXXX XXXX XXXX  out of XXXX, WA. On XX/XX/2019, I secured financing for my clients through LiveWell Financial ( loan ID # XXXX ) for a purchase mortgage, locked the interest rate at 3.625 % on a 30 yr fixed rate and submitted the documentation for loan approval. 
On XX/XX/XXXX I received an email from this company confirming they were ceasing operations and that our borrower had to obtain financing elsewhere. The locked interest rate of 3.625 % was no longer available. 
Please see signed disclosures, particularly the lock agreement ( page 28 of 60 )
Consumer complaint received 2021-03-31
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. (TX)

TransUnion ignored my letter of concerns with an account being reported as a collection. I tried reaching out to the collection agency with no success. I then notified TransUnion that the letter I sent to XXXX XXXX returned to me as " Not Deliverable '' which meant the company does not exist. How are they validating a debt with a company I can't reach? 

Not to mention, TransUnion never responded to my concerns and it has been more than 45 days. Help!
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 have violated my rights. 15 U.S.C 1681 section 602 A. XXXX 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 XXXX 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 XXXX years. XXXX XXXX. XXXX ( 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. 

There have been attempts in XX/XX/XXXX and XX/XX/XXXX to delete this item from my TRANSUNION credit report. TRANSUNION is the remaining organization that has not deleted the referenced account from my consumer report. As indicated before, this account was opened in XXXX. I was 11 years of age at the time and incapable of opening an account with XXXX XXXXXXXX XXXX. I have previously provided my state identification and birth certificate but my efforts to remove the account have not been honored.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

XXXX percent responsibility of our serious problem -- a monetary loss of {$270000.00} -- has to do with total negligence and lack of red flag controls at XXXX Wells Fargo branches in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My wife 's computer was hacked by a criminal fraudster impersonating an XXXX from XXXX XXXX XXXX. This person convinced my wife {$40000.00} was mistakenly put in our joint checking account at the XXXX XXXX XXXX, and further seduced/convinced her to return the funds via wire under potential penalty of arrest if she did not comply. 

The first wire was sent from said XXXX XXXX, to a foreign address. No one at that Wells Fargo branch tried to persuade her not to send it. 

My wife was immediately contacted by the criminal fraudster saying the funds we not received, and they seduced/convinced her to send a second wire. She attempted to do this out of the Wells Fargo XXXX XXXX branch, and thankfully an astute banking professional there talked her our of sending it. 

She was then contacted again, being threatened by this criminal, saying they were not receiving any funds. This went on for a total of XXXX additional wires sent from XXXX separate nearby Wells Fargo branches, until finally Wells Fargo stopped the madness. But, not until {$270000.00} total from XXXX wires went through the Wells Fargo system. All to know criminal addresses. Yet not once did Wells Fargo explain to my wife about what was happening. 

I have written some half dozen registered letters to the CEO and board members of Wells Fargo and have received the most unprofessional, negligent, horrible responses from what is clearly a banking institution that thrives on taking advantage of unsuspecting people. They need to be stopped.
Consumer complaint received 2022-10-12
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)

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 more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-08-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 45 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.