davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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. (MD)

On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. XXXX XXXX is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. XXXX XXXX charge off.
Consumer complaint received 2023-07-02
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. (PA)

Notice to agent is notice to principal notice to principal is notice to agent Reinsertion of previously deleted accounts from credit reports : XXXX XXXX XXXX : Social Security Number : XXXX To Whom It May Concern : It has come to attention while checking my consumer reports that you has reinserted a previously delete item on my consumer reports. 

I am requesting the certification of accuracy that was produced by the data furnisher that verified this alleged account. By law 15 usc 1681i ( 5 ) ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Furthermore after reinsertion of previously deleted information within 5 days you were to notify me pursuant 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

You have failed to provide the required disclosure and notices pursuant the FCRA 15 USC 1681i and its provisions. 

Delete the reinserted accounts that you have placed on my consumer reports which now is a violation of the FCRA. 


XXXX XXXX All rights reserved UCC 3-308 CC : CFPB, XXXX, ATTORNEY GENERAL IN YOUR STATE AND MINES
Consumer complaint received 2023-07-02
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)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXXhas 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
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AR)

Chime banking! 

Somebody made an unauthorized purchase on my debit card to XXXX XXXX  This flight was leaving XX/XX/XXXX - XX/XX/XXXX for XXXX XXXX. For {$600.00} some dollars thats a lot of money to lose. I filed a dispute in XXXX. 2 times already was suppose to get my money back or temporary credit back XX/XX/XXXX here we go XX/XX/XXXX and they still giving me the run around denies my claim before XX/XX/XXXX. Which is XXXX now and Im frustrated. The investigation team not doing they job. If I never checked in this flight. And the airline have proof that I never checked in. Then I should be able to get my money back. I even sent documentations before the plane left XX/XX/XXXX. Ive never got on this plane Im highly frustrated with this company! They want fix the errors or give my money back. They have some rude people answering the phones.
Consumer complaint received 2023-07-02
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)

In accordance with the Fair Credit Reporting act XXXX  Account 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
Consumer complaint received 2023-07-03
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-02
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-07-02
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. (FL)

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX Fl XXXX RE Account : XXXX XXXX XXXX XXXX Dear XXXX I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (WV)

I am filing a complaint against XXXX/ELOANBPPR for reporting incorrect CHARGED OFF ACCOUNT status to XXXX and XXXX, XXXX of which have adversely impacted my bankruptcy-recovering credit scores and forced me to dispute their erroneous reporting. My bankruptcy attorney ( name and contact info available upon request ) disputed the incorrect charge to XXXX by Certified letter mailed in XX/XX/XXXX. As a result of that dispute, within 30 days, XXXX ruled favorably and deleted the incorrect charge from my credit report ( see documentation ). On XX/XX/XXXX, after being alerted by XXXX that my credit score had decreased by XXXX points, I perused my credit report and discovered that XXXX/ELOANBPPR had reported the same incorrect CHARGED OFF ACCOUNT status to XXXX, XXXX an unpaid loan balance of {$9600.00} ( see documentation ). BACKGROUND INFO : On XXXX, I applied for an unsecured individual loan with ELOAN. The approved loan amount was {$6300.00}. In XX/XX/XXXX, I was targeted and victimized by a clever internet scam-theft scheme that crippled me financially. As a result, I was forced to file for bankruptcy. I retained a bankruptcy law firm which filed a XXXX  XXXX in XX/XX/XXXX. All of my outstanding creditor/debts, which included XXXX, were included in that bankruptcy, which was XXXX on XX/XX/XXXX. Since XXXX/ELOANBPPR has reported incorrect CHARGED OFF ACCOUNT status to XXXX and XXXX which has adversely affected my recovering credit scores and forced me to dispute their false reporting, I have every reason to believe that they will eventually report the same incorrect status to XXXX, although currently XXXX is correctly showing that the ELOANBPPR account was bankruptcy discharged ( see documentation ). I have tried to contact ELOAN by calling XXXX, but I am unable to connect to a live person because my contact information has changed since XXXX. I am filing this complaint because I want this unfair credit bureau reporting and harassment to stop!
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

Today 's Date : Monday, XX/XX/XXXX This Matter pertains to a Debt Collector 's Harassment by Credence Resource Management, ( A Debt Collector ) hired by XXXX XXXX XXXX that continouisly been harassing this Consumer, since XX/XX/XXXX. 

CRM REVIEW YOUR RESPONSE CRM SENT THROUGH CFPB CONSUMER PORTAL ON DATE : XX/XX/XXXX CFPB XXXX # XXXX. Which CRM STATED- " DESCRIPTION PF NON-MONETARY RELIEF : ACCOUNT CLOSED, XXXX XXXX CREDIT DELETION. '' For CRM 's Records- CRM is violating Social Security Act sec. 207 [ 42 U.S.C. 407 ] 42 U.S.C.

sec. 408- Penalties- {$25000.00}. or 5-10 years Prison OR both. Mail this Consumer a Cashier 's Check in the Amount of
{$25000.00} for the harassment of the last 4 years. CRM is aware of the Fraudulent Business Practices XXXX XXXX XXXX commits. 
So MAIL IT TO ME! 

STOP HARASSING AND CORRECT ALL THREE CREDIT REPORTING AGENCIES THAT CRM HAS CREATED HARM TO THIS CONSUMER! PAY UP NOW!
Consumer complaint received 2023-07-02
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)

On XX/XX/2023 I send a dispute letters to Experian and XXXX about an account named XXXX XXXX XXXX # XXXX asking to provide a contract with my signature on it that proves that Im doing business with them and they have failed to provide any documents. This two credit bureaus are violating my rights and laws as a consumer and they need to be hold accountable to the extent of the laws. Picture proof of the letters, affidavit of identity and proof of the letters been certified are going to be provided as an attachment. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 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 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

To Mr. Cooper I am writing this letter to explain my unfortunate set of circumstances that have caused me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately, I have fallen short and like you to consider working with me to make this appeal a reality. 

Around XX/XX/XXXX I called Mr. Cooper call center to make a payment, the young lady at the call center stated that she could sign me up for the XXXX COVID 19 Forbearance Plan and this would delay me from making payments for three months, and she stated that she could accomplish this over the phone, and that I was approved. 

This action was very wrong, and this put me Three Months behind. 

After making payments and seeing the wrong amount on the statements, I called Mr. Cooper and the call taker stated what the other call taker did was very wrong. She then got me started on the correct paperwork. Now for the next three months I was under the correct XXXX COVID Forbearance Plan. I thought this would clear up the three months behind, but it did not. 

XX/XX/XXXX the adjustment on the three months behind statement had not changed and a Foreclosure by XXXX XXXX XXXX XXXX XXXX had been started. 

I called Mr. Copper and ask Loan Specialist XXXX XXXX what I could do about the foreclosure, he told me about the Affordable Modification Program, he then sent me the paperwork, I applied for it and was approved. 

XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XXXX XXXX XXXX XX/XX/XXXX Payment was not cause the young lady at the call center stated that I was caught up and no payment was needed. 
XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX Payment was made XX/XX/XXXX XX/XX/XXXX a Payment could not be made could the call taker would not let me make a payment, she stated that I could not make a payment online, over the phone or mailing. 

I have called twice a week since then with the same response.
Consumer complaint received 2023-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander Consumer repossessed my car after making {$25000.00} worth of payments. They stated that my balance was {$19000.00} after 4.5 years of payments at {$590.00} a month and did not make me aware of a fraudulent interest rate. They refused to allow me to get my car back from repossession unless I paid {$19000.00} in full. I was sent the most u professional collection email that stated they didnt want a partial payment, they wanted balance in full paid if I wanted my car. They have harassed me continuously with phone calls back to back all week long regarding collections. I need someone to PLEASE help me get this corrected. I am at a loss and now without a car.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to XXXX XXXX.I have called and spoke to a representative, and they declined to help me. I reached out to XXXX XXXX on XX/XX/2023. I reached out to Equifax on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-03
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

While trying to use XXXX on my account I made a mistake and tried correcting it. XXXX the bank customer services and was told to wait until at least Wednesday to check on it again. But when I tried to sign back in to my account it had been blocked. So called again to their fraud unit discussed the problems gave all information and was told there was nothing they could do, except go to their. branch to correct it. Im XXXX yo recently had XXXX XXXX and am mostly XXXX XXXX and XXXX XXXX XXXX to move inside my home since I have no transportation. This block has stopped me from using my ATM card to buy necessary groceries which I order on line and have them delivered. I just need the hold removed from my account.
Consumer complaint received 2023-07-02
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. (TX)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account NAME/ Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC (TX)

this company continue to harass me keep sending the same bill with different account number and change the amount to make it look different but the account number will have some numbers that are the same as the other bill. And change the date on it. Amount now XXXX company XXXX XXXX And wrong name spell wrong.