davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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)

I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section XXXX of this title that such information may be disclosed. I did not receive any of the XXXX disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX XXXX ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void.

My complaint is also with three bureaus XXXX, Experian and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX, Experian, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681 for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

For those four violations from XXXX XXXX I am seeking {$4000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Consumer complaint received 2023-06-07
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. (CA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX  Balance : {$9100.00} XXXX XXXXXXXX XXXX Balance : {$4000.00}
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-06
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. (LA)

was trying to buy a house and I realized that I had damage on my credit report according to the 15 U.S.C 1681 they should not be any damages on my report this is a defamation of my character. In XXXX I lost my job due to covid-19. per the CFPB website we were advise if you are having problems with paying your bills during COVID-19 to reach out to your Leanders or creditors and find out what options or programs were available. I reached out to every company. XXXX would not approve payment deferment on all my account. I had to try to borrow money to pay XXXX. If I was unable to make payment and company could not defer that account I received an 30 day late on my credit report. XXXX used a company system and it would only allow 1 or 2 account to be deferred at a time. Once I started receiving unemployment payments I was able to make payments on my accounts. I was not able to find a job until XX/XX/XXXX. The government advise all the creditors to forgiving late payments during COVID-19 XXXX and XXXX XXXX did not offer grievance during COVID-19 XXXX has damaged my credit with 6 accounts and several late payments. I had 8 accounts totaling over {$10000.00} and was never late until I lost my job, XXXX XXXX reported 1 late payment in XX/XX/XXXX. I have written letters and sent several emails asking to remove late payment. XXXX XXXX sent back a very nasty letter. I had this account since XXXX and never been late. 
XXXX XXXXXXXX has been reporting late payments with on my credit. XXXX XXXXXXXX is not my loan servicer. ALL Student loan payments are suspended.
Consumer complaint received 2023-06-06
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. (NC)

I have a closed paid off account with XXXX XXXX XXXX XXXX from XXXX that is inaccurately reporting a late payment on Experian, XXXX and XXXX. I was never late with this account and was never notified of a late payment. It is also reporting inaccurately which is a consumer violation pursuant to 15 USC 1681e ( b ) which states credit accounts must report maximum possible accuracy at all times. This account is in clear violation of that. I have attached a screenshot of the payment history showing the inaccuracy.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CO)

On XX/XX/XXXX I received a notice from Diversified Consultants, Inc. to inform me about an alleged debt with XXXX XXXX in the amount of {$1600.00}. I notified them within the 30 days after receiving this notice and I disputed the validity of this debt. I sent a certified letter on XX/XX/XXXX. I received their response to my certified letter on XX/XX/XXXX. 

My certified letter ( which I am attaching to this complaint ) requested some of the following : -Agreement with the creditor that authorizes you to collect on this alleged debt -Valid copies of the debt agreement stating the amount of the debt and interest charges -Agreement bearing my signature stating that I have agreed to assume the debt -Complete payment history on this account along with an accounting of all additional charges being assessed. 
-Contractual signatures and agreements of said account -Documentation showing you are licensed to collect in Colorado along with your license number and registered agent. 

The only thing I received was a cell phone bill with talk history from XX/XX/XXXX to XX/XX/XXXX. They failed to validate this debt and they failed to delete this account from the 3 credit bureaus and stop attempts at collecting this debt. They did not submit any of the information I requested. A billing statement is not proper validation of a debt. I do not have a signed contract nor any contract with Diversified Consultants , Inc, regardless whether or not they purchased this debt from XXXX XXXX. 

I have attached all communication with Diversified Consultants , Inc . Since this account was not properly validated, I am no longer legally responsible. Account validation is my right granted by the FDCPA.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (OH)

Apple Savings states I have to verify ownership of my checking account with XXXX XXXX XXXX XXXX. I made several attempts at contacting both, XXXX has reassured me that they have the appropriate information on file to provide Apple Savings/ Goldman Sachs with information for verification. The XXXX third party verification form was completed on XX/XX/2023. 

I confirmed XXXX has documents on file to release verification information. When I contact Apple Savings/ Goldman Sachs verification line, they always fine another reason to not be able to assist. They contacted Card Services, NOT XXXX XXXX XXXX XXXX. Then they say XXXX is closed. The list goes on. The Apple Saving supervisor said I could just simple call them from the bank, then another representative says I have to call back, etc. 

I have a direct contact at XXXX, XXXX XXXX, XXXX. 

However, Apple/ Goldman Sachs says they cant call him directly.

So, after multiple attempts and different excuses every time, obviously there is an issue with Apple Savings/ Goldman Sachs XXXX not XXXX XXXX 

This shouldnt be allowed. Im not sure what all the problem is since I pay my Apple Card/ Goldman Sachs through this very same account. 

When I asked the spelling of the name of the employee, she disconnected. When I called back, they refused to make provide the information. 

I can not even explain the amount of time Ive had to spend on the phone, only to be hung up on when I ask the supervisors name. How can an institution get away with this? I can not believe that a director at XXXX XXXX XXXX XXXX calling on my behalf is not acceptable to verify ownership. 

Once I contacted Goldman Sachs after the originally supervisor hung up, my final point of contact would be XXXX. She gave me reference # XXXX. She stated I could call with that reference number, and she would be contacted since she is manger AND supervisor of the savings department of Goldman Sachs. The only thing XXXX could do is make comments to the account. She said no follow up would happen. She submitted the complaint to a team within Goldman Sachs Savings department for review- but they would not have a need to follow up. 

Please help or advise. 

Thank you, XXXX XXXX
Consumer complaint received 2018-03-08
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Veripro Solutions Inc. (CA)

In XX/XX/XXXX-XX/XX/XXXX I was in the process of trying to settle an old mortgage with Veripro and, unfortunately we could not reach an agreement. Approximately 10 days ago I contacted Veripro to try and settle the account and after speaking with the representative, we were again unable to reach a settlement amount. During the conversation, the rep mentioned that the reason we had not heard from them was that there was a " Cease and Decist '' letter on file. The rep then asked if I wanted to remove the letter so they could contact me regarding any specials or promotions and I declined. She attempted to persuade me to remove the letter a few more times and I said no. Then 2 days ago, my wife received a voice mail with an aggressive message from the rep stating we needed to call right away! I can not believe they would blatantly disregard our Cease and Decist letter and also our request via phone to not be contacted. This is NOT ok.
Consumer complaint received 2023-06-06
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. (IL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus 89 times to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and im depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT MINE! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

Good afternoon, I have a credit card from American Express and today I received an email from them stating that they have lowered my credit limit from {$18000.00} to {$7000.00} effective today. I currently have a balance of approximately {$6800.00} dollars. The only reason I put that amount of money on this card was because they had extended this {$18000.00} line of credit to me and I decided to use more than I usually do even though I know they will charge me interest ( these past months I have had to incur in more expenses than normal ). I am however paying off the card off in the following XXXX months ( as was my original plan ). However they informed of this credit limit decrease today without prior warning. Had I known that they would do that I would have never, ever opened a card with them. I opened this card in XX/XX/XXXX and I have never missed a single payment on the card and until recently I had always paid the full amount ( in the past few months however I have been making minimum payments to this card so I could take of other necessities ). Not only did they lower my credit limit which will affect my utilization rating and subsequently lower my XXXX XXXX, which will in turn increase my cost of borrowing should the need arise. Also what happens if with the interest they charge me, my balance goes above the credit limit? I would have to pay additional fees that would not have been charged had my credit limit been unadjusted. Not only that but when I call the customer service line to discuss what happened, they tell me that they had a solution for me which was for me to make a payment of 50 % of what I owed before early XXXX of this year, they would restore my credit to {$18000.00}. 

I truly feel that tactics like these should be illegal ( not to mention just horrible business practices because I will be closing my account as soon as I have finished paying off the balance ). How can a company tell me I have a credit limit of X and then all of a sudden lower that limit to Y without any prior warning whatsoever? What's the point of giving me {$18000.00} credit if in reality as soon as I reach less than half of it they will lower my XXXX XXXX and put me in a precarious position which would plunge me into even more debt should I not bow down to their demands. I can not believe that what they did is legal.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Huntington Debt Holding LLC (CA)

On or around XX/XX/XXXX I notice that Check XXXX XXXX was taking money form my checking account. I previously has a loan with XXXX XXXX XXXX so i went to their office in XXXX California to inquire as to why money was still being drawn from my checking account since the loan had been satisfied. I was informed by the store XXXX that they had an employee who took numerous loans in the name of various customers and that we would not be responsible to pay that loan back and the money that was withdrawn from our account was returned and I also changed my checking account number on XX/XX/XXXX. I was not asked for nor contacted regarding any repayment of this loan until I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX. This is beyond the allowed time for requesting payment per the legal statute of limitations. In addition, the account reads as a medical account on my credit report. I need this report removed from my credit report from all three major credit reporting agencies and all attempts to collect this debt be stopped immediately.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller, Stark, Klein and Associates (OR)

On XX/XX/2018, at XXXX XXXX, I received a phone call from XXXX which was a robocall informing me that they had tried to contact me at my address regarding a complaint filed with their office, but could not contact me. I pressed 1 to be connected to a man who said he we from Miller Stark Associates and that he was attempting to collect on a debt I owed to XXXX XXXX XXXX for {$1000.00}. He knew the last four digits of my SSN and an old address from about 5 years ago. He offered me two payment plans and wanted to know how I would like to pay. I hung up at this time. I contacted XXXX XXXX XXXX who confirmed that I do not have any outstanding balances and that they did not submit anything to a collection agency.