davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2022-03-13
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. (IL)

The following information is what I sent XXXX and now the consumer reporting agencies. I am requesting the consumer reporting agencies update the payment history on the XXXX accounts to reflect on time payment history and to mail my complete file pursuant to 15 USC 168a ( g ). 

This complaint is for XXXX XXXX XXXX XXXX ( XXXX  ) ; I am also including the consumer reporting agencies in the complaint so that they may mail my complete file pursuant to 15 USC 1681a ( g ). There are two accounts XXXX XXXX XXXX XXXX continues to report knowing that information is inaccurate and not reportable by Law. XXXX is infringing on my right to credit. XXXX is violating the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and The Fair Credit Reporting Act. I have sent a cease and desist to XXXX and they continue to communicate with me in regards to the alleged debt via mail, email, and my consumer report. XXXX has not validated the debt pursuant to 15 USC 1692g ( a ) and continue to report the alleged debt after I have advised them that there are billing errors. Pursuant to 15 USC 1692g ( 4 ) validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 10 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue reporting late payments on my account. I have already sent a cease and desist, again this is a constructive notice that, absent the validation of your claim within 10 days, you must " cease and desist '' any and all collection activity of the alleged debt. Be aware that unauthorized use ( 15 USC 1692p ) is identity theft. And I have all of the documentary evidence to support my claims if a complaint with the US District Court is needed to be filed.
Consumer complaint received 2022-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc (IL)

This company has failed to remove this from my credit report. I filed an XXXX dispute against their illegal tactics and they have refused to remove it from my report. They saw the report on XXXX and instead of removing it after I told them of my XXXX XXXX XXXX Automatic Stay order, they just fixed the reporting details so it could not be removed on those grounds. I would like consumers to note the tactics of this company and respond accordingly if you they ever deal with them. Medical Commercial Audit Inc.
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (AK)

XXXX years ago I entered in an agreement with the law offices of Rausch Sturm LLP to settle a debt owed to XXXX XXXX. The agreement was for {$43.00} a month for a total of {$3100.00}. Last month I received a letter from the debt collector stating the agreement balance was {$43.00}. Which would mean the original agreement would be fufilled. Fast forward to this month and I received another notification that my agreement balance was {$760.00} and they would be withdrawing another {$43.00} payment. So, I contacted via phone and was told my balance was {$1100.00}. I ask them how, when you sent me a letter last month showing the amount of XXXX more payment with said agreement. The lady tells me I have interest and court cost that needs to be paid. This should have been included in the original agreement that we agreed on. She couldnt explain to me why my new letter said {$760.00} but she verbally told me I owed {$1100.00}. Seems like a money making scheme to me. Please investigate this, I notice online several complaints about this.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (FL)

YOU BROKE THE LAW!!!!!! 
Frontline Asset Strategies LLC, sent me, XXXX XXXX, the original creditor, pursuant 15U.S.C 1602 ( G ) a letter I received, dated on XX/XX/22. 
In the letter it states XXXX are Original Creditor which is a violation pursuant to 15 U.S. Code 1692e - False or misleading representations. However, XXXX sold my private information to Frontline Asset Strategies LLC which is aggravated identity theft and theyre using my Social Security number without my authorization which is a violation to the Social Security Act pursuant to 42 U.S. Code 408 - Penalties. This aggravated identity theft as well pursuant to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
( 2 ) Terrorism offense.

Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Just to give you more clarity of the violations you have committed Frontline Asset Strategies LLC.

Please understand in this letter you sent me is a threat telling me if I dont respond by a date, The letter is harassment, annoying, obscene and profane language to me pursuant to 15 U.S. Code 1692d - Harassment or abuse. You are ruining my life and reputation with your actions and deceptive business practices. I am reporting you to CFBP, FTC, and FCC. It is clear Frontline Strategies LLC are crooks and seeking to take advantage of consumers to rob them and break federal/State laws. It is evident.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT XXXX XXXX & XXXX XXXX, ACCOUNT 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 an account without my written instructions
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (VA)

On XX/XX/2021 I was incarcerated and on XX/XX/XXXX {$1400.00} stimulus was deposited into my account. At the time of my arrest I think someone took my card because It was not in my belongings at jail. I was missing a card. I got out of jail on XX/XX/XXXX and immediately filed dispute because someone spent over {$1400.00} within minutes of it being deposited into my account. The bank did refund some of the charges which makes no sense because ALL OF THE CHARGES OCCURRED WITHIN MINUTES OF EACH OTHER. Please help me get my {$1400.00} stimulus money back. I have messaged and messaged and emailed for almost a year now and they dont help. They even filed the original dispute on XX/XX/XXXX incorrectly. I made it clear to them that {$1400.00} was deposited into my account and within minutes it all was being spent while I was locked up in XXXX XXXX XXXX. I have sent them proof of me being in jail for 30 days and they still didnt help. Customer service can only be reached by chat and they are from another country and barely understand what I am trying to explain to them. I had to get them to refile the original dispute because of them not adding all of the correct transactions that I was very clear about. {$1400.00} deposited, {$1400.00} disputed because it was all spent.
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mother passed away XX/XX/XXXX and I have been making mortgage payments on the property every since then. 

I have submitted all documents proving that I am the sole beneficiary of the estate and property at XXXX XXXX XXXX XXXX, Ga XXXX. 

However, my name is not listed anywhere on the account. 

I have contacted the mortgage company regarding my assumption of the mortgage. 

The response was, XXXX XXXX you ARE listed on this account, so you do not NEED TO ASSUME THE MORTGAGE. 

However I now know this statement to be FALSE! 


I am required to assume the mortgage in my current financial situation. 

This assumption would allow me to get the financial benefits from the VA in my name as the owner. Which I can not do until this home is officially listed as mine. 

I provided the documentation last time I contacted Consumer Finance in XXXX. However only one of of the two issues got resolved.
Consumer complaint received 2022-03-14
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-14
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)

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.
Consumer complaint received 2022-03-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX refuses to remove negative payment history from my credit reporting. 

I purchased a XXXX XXXX XXXX for my husband in XXXX of XXXX, but we have since been divorced. The divorce filing was finalized on XX/XX/XXXX, which states, Husband shall retain the XXXX XXXX XXXX, titled in his name, free and clear of any claim of wife. Husband shall be responsible for the loan on this vehicle to XXXX, held Wifes name, holding wife harmless from collection there on. 

I filed a dispute with Experian in XX/XX/XXXX. On XX/XX/XXXX Experian reported the my credit file had been updated, but the negative payment history was not removed from my report and my credit file was updated and it was suggested that I reach out to the lender to file a dispute with them. 

I contacted XXXX XXXX on XX/XX/XXXX and was given a direct fax number to the department that handles their disputes. I faxed a copy of my divorce decree to support the dispute on XX/XX/XXXX. I also filed disputes with Experian, XXXX and XXXX at that time and provided supporting copies of my divorce decree. All have resulted in some sort of update to my credit report, however, the negative history remains. Additionally, I received a loan extension agreement from XXXX dated XX/XX/XXXX. I was never consulted about the extension agreement prior to being put into place. 

This is very damaging to me as I was forced to purchase my home at a higher interest rate, and am currently trying to refinance, but am unable to until my credit score increases and the {$20000.00} debt no longer impacts my debt to income ratio. Per my divorce decree my ex husband, his lawyer and XXXX XXXX had 45 days from finalization of the decree to have this issue corrected. As a result, Ive paid an incredibly significant amount in interest on my home loan that was unnecessary and has put me and my children under significant financial hardship.
Consumer complaint received 2024-09-26
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. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-13
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. (VA)

On XXXX2022, I XXXX XXXX XXXX the consumer, notified XXXX, XXXX, & EXPERIAN ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by XXXX, XXXX, & EXPERIAN. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Blackhawk Network Holdings Inc. (CA)

I filled a dispute case with Blackhawk network on XX/XX/2021 and in an email they told me the dispute would take no longer than 90 days. Its been well over that and Ive had to be without my money. They also stated in an email that an check was issued to my address already but when I called to follow up they told me the check wasnt even created yet. They just keep lying to me
Consumer complaint received 2022-03-14
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (KS)

We purchased a home through Caliber Home Loans in XX/XX/2021. Since then we have been trying to contact Caliber Home Loans to set up our payment as bi-weekly. We have spoken to several people on the phone, often after waiting an average of 45 minutes. They all have told us a different thing. We've been asked four times now to submit the same paperwork yet we continually get told our attempt to enroll in their recurring automated payment system has been unsuccessful. We went with Caliber because we were told they were military friendly but when you can't get a straight answer and they have not been able to enroll us in the payment plan we have requested for four months now something seems off.
Consumer complaint received 2022-03-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I got signature loans with XXXX XXXX XXXX between XXXX - XXXX. I paid all of them on time in full. The last on either my ex husbands responsibility. These accounts are in good standing but they aren't helping my credit score. I have wrote 3 or 4 letters asking them to remove all accounts from all 3 credit bureaus but they yet to be removed. They are way over Statue of limitations limit. I don't understand why they won't delete them.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-14
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S. C. 1681 Section 602 A. I have the right to privacy.

15 U.S.C. 1681 Section 604 A. It also states a consumer reporting agency can not furish a account without my written instructions. 

They sent me a lot of private information.
Consumer complaint received 2024-08-22
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. (SC)

After carefully reviewing my credit profile, there are fraudulent accounts showing on my credit report. I am a victim of identity theft and ask that ALL items be removed and deleted off my credit report.