davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by som bad peoples on the internet. Having these False and misleading inquiries reporting to my credit report is hurting my credit and is hurting my ability to purchase a home for me and my kids. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my kids a big house with a huge back yard for them to play in. please handle this matter quickly. I have included a list of all inquiries and accounts that I did not authorize below along with the dates. please remove asap ok? 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX XXXX a copy of an identity theft report ; Please remove all the accounts listed :
Consumer complaint received 2023-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

CREDIT COLLECTION SERV Original creditor : PROGRESSIVE Balance details XXXX XXXX paid off Balance {$140.00} Balance updated XX/XX/XXXX Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name CREDIT COLLECTION SERV Address XXXX XXXX XXXX XXXX, MA XXXX Phone number ( XXXX ) XXXX XXXX XXXX Code XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-07-11
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-27
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: Automated Collection Services, Inc. (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
Consumer complaint received 2023-08-06
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. (CO)

CFPB Writeup : 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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. 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 2021-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-20
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have violated my rights. These inaccuracies are keeping me from getting a home loan.

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 2023-08-30
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OR)

I was offered XXXX points to open a Wyndham XXXX XXXX XXXX ( backed by Barclays Bank ) at a timeshare presentation through XXXX XXXX in XXXX XXXX Nevada. I completed all the financial requirements within the timelines given. After waiting the amount of time necessary, for the points to appear and seeing nothing, I contacted customer service. I spoke to them for several hours over 3 or 4 calls and they could not figure out how to link my credit card to an account. Finally, someone gave me a new account number and the card was linked. I waited again and finally called asking when my points would be available for use. I was told they would not give me points as that wasn't the agreement when the card was applied for. Knowing that wasn't true, I asked for a copy of my contract, and a phone number of their legal department. What I received was a call from a relations manager. This person said they would e mail my contract and the phone number ( they haven't and it has been about 3-4 weeks now ), They also said they would look into the agreement through XXXX, where it was applied for, and award XXXX points until the issue was resolved. Today I received a letter saying they are " unable to assist me with the rewards issue '' and to call for further information. I did. The same thing was said, that my contract didn't say spend {$1000.00} in three months for XXXX points. ( this is the same promotion they are still running ) I again asked for a copy of my contract and the phone number of the legal department. I asked that the same customer relations representative call me to explain the steps takes and why I haven't received what I asked for and what I was promised if I changed cards. I specifically applied for this card because of the promotion, and I believe Barclays/Wyndham are in breach of contract. I am waiting for the second phone call as they have 48 hours to respond again.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

15 U.S> Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S COde 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave a 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! 

XXXX XXXX XXXX  XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX XXXX {$11000.00} {$0.00} DEPT OF XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$200.00} - - -No Data XXXX XXXX XXXX XXXX {$13000.00} - - -No Data XXXX XXXX XXXX XXXX {$690.00} - - -No Data XXXX XXXX XXXX XXXX {$240.00} - --
Consumer complaint received 2023-08-06
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. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-08-06
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2023-07-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (OK)

I was pre-approved for a home loan from Veterans United, I had tried to buy a house once before but things didn't workout. I told them when I started this time I wanted a new realtor and bank lender. They gave me a new realtor but said i had to keep my bank lender. I asked why he said because he has your case and worked it before, I explained that i didnt like and trust my lender before. But they still put him on my case. Once i started looking at homes my amount was not disclosed to me which was strange but i knew i wanted something around XXXX  which i could afford. I was still able to pick a new home that I liked. It took sometime to build but during the process I turned in all my paperwork needed early or one time. I paid all my fees that was asked or stated. When ever I had questions that I needed the bank lender to ask i could never get a hold of him days or weeks would go by. I told my realtor and she complained about him also, I had a feeling he wasn't working my case because every estimate he gave me the numbers where always different or way off. They couldn't find paperwork that I had turned in. I had to tell them where to find it on there website. They didn't communicate with me at all, it was a constant game of me trying to find my bank lender and get answers. Once the house was finished and we where suppose to close the lender ran my credit again and then stated oh you have a automobile payment which I told him before and we discussed. He started to act weird as in unsure, when it was time to close the dates kept changing and I was asked to be patient. They had already instructed me I could move out my rental place because the home was almost done so I put my notice in. Little did I know we might not close and they said I should trust then I could still move out and they would reimburse me for the hotel. I was scared because they didn't honor anything they had told me before and if I sell my stuff and move out if I don't get the home me and my family would be homeless. The only thing they told me was be patient trust them. I then get a call stating if they can't get the deal done can I get my rental back after they said trust them, so I would have lost all my furniture, key house hold belongings, and etc. Veterans United has almost made me homeless and I just wanted to become a homeowner. I'm a 1st time buyer and this was a nightmare and it seems like Veterans United doesn't have any accountability or cares about veterans.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX, am personally handling this complaint and there are no third parties involved. Enclosed are letters that explain the inaccuracies reported on my credit report. The information from Transunion, XXXX, and XXXX is incorrect, inconsistent, and outdated.
Consumer complaint received 2023-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (TN)

On XX/XX/2023 Avant LLC, formally Avant Credit lll LLC  ( XXXX XXXXXXXX ), was provided a debt security as collateral for an extension of credit. Avant failed to uphold it's part and denied my extension of credit but kept my debt security and plans on transferring it to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX ). This will be securities fraud since they do not have my authorization to transfer my security without upholding there part of the contract. Avant LLC has failed to disclose the true nature of our transaction and refuses to respond. This is a violation of the First and Second Tier of the Federal Reserve Act Section 29 Civil Money Penalties. Avant LLC has breach their fiduciary duty as they will receive funds upon the securitization of my commercial paper debt security. This comes with a civil penalty of {$25000.00} per day starting XX/XX/2023. It has been 5 business days that Avant LLC has had me security which carries a civil penalty of {$5000.00} per day for a total of {$25000.00} owed so far. If non compliance continues into tire XXXX which carries a penalty of {>= $1,000,000} or 1 % of the total companies net worth. on XX/XX/2023 a formal complaint will be placed with FINRA and the SEC for the willful non compliance to the Securities Exchange Act.
Consumer complaint received 2016-12-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (UT)

Signed up for BMO Harris checking account on XXXX/XXXX/16 with {$200.00} signup bonus. I 've met the terms of the bonus and have contacted BMO with the promocode ( XXXX ) I had used to signup for the account. Another month has passed with no resolution. It has been over 120 days now since I opened the account. I 'd like to bring this to closure.
Consumer complaint received 2015-12-03
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Franklin Credit Management Corporation (CA)

We took out a second mortgage for XXXX for a 15 year loan in 2006 with XXXX XXXX XXXX who sold it to XXXX who sold it to Franklin Credit managment. The initial interest rate was 13.9 %. I made payments for 3 years the Principal stayed at XXXX. I had no contact from this company for 6 years. After 6 years they contacted me 6 months ago saying I had to pay XXXX in back payments or they would foreclose. They then hired The XXXX who put a Notice of Foreclosure on my house. This is a predatory loan. The loan amount never went down. The loan was for 15 years. We will pay them a total so far of the XXXX + the XXXX which will = XXXX.