davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PA)

To whom this may concern the following check and go account and the information reported about this specific account is being illegally reported without my written permission nor was I put on notice before my financial information was shared and furnished to 3rd party non affiliates and is being inaccurately reported by doing so I demand that the late payments or any derogatory remarks or information be deleted immediately from this account and never to be reported again without my written permission your company is in violation of us code and CFR laws and the following violations are 15 usc 6801 also 15 usc 6802 and 15 usc 6803 only resolution I will accept for violating my consumer rights, rights to privacy and my financial information confidentiality u have 7 business days to delete and remove all previous reported derogatory remarks comments late payments etc failure to do so will result in a violation of 15 usc 1681n ( a ) ( 1 ) ( A ) civil liability for willful noncompliance Sent from my XXXX
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (CA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please remove this account ASAP.
Consumer complaint received 2023-07-15
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: ONLINE Information Services, Inc. (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes this unfair practices.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Consumer Portfolio Services, Inc. (OH)

I HAVE ALREADY TRIED TO RESOLVE THIS WITH THIS COMPANY YEARS AGO FOR REPORTING THIS TO THE CONSUMER REPORT AND IT HAS BEEN UPDATED THIS YEAR FOR 2023. THIS IS ACCOUNT IS A RESULT OF FRAUD AND I HAD NOT POSSESSION OF THIS CAR PLEASE REMOVE!
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CT)

I just checked my credit and radius global added a debt that is old from when I was an identity theft victim. I thought it was illegal to add old fraudulent debt. It is on XXXX. This is not right and needs to be removed.
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (PA)

Someone by the name of XXXX XXXX from Light Stream Loans promised me a loan, but instead by bank account was closed due to bad checks being deposited into my account. XXXX XXXX was submitting the checks but did not inform me the checks were bad. He instructed me to purchase gift cards after the funds were available. I followed his instructions but did not get the loan as I was promised and my bank account was closed due to the checks coming back bad. This is bad business and it is illegal. I should not be made as the guilty party considering I did not right the checks or deposit the checks. I am the BORROWER in this instance, NOT THE LENDER ( Light Stream Loans ). Can someone at Consumer Financial Protection Bureau please look into this for me and find out what is going on?
Consumer complaint received 2023-07-07
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 10th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Consumer complaint received 2023-05-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

XXXX XXXX US Bank representative referred my account to your foreclosure dept in XX/XX/XXXX, while at the same time processing my mortgage modification application - see attached record ofvour emails. 
She and I emailed constantly from XX/XX/XXXX to XX/XX/XXXX. 
I even got an Order from a Judge in XX/XX/XXXX referring us to the Modification Mitigation program. 
US Bank would not respond to Court Order. 
I registered on the DMP portal Did everything I was supposed to do. 
I got served by a Court process server in XX/XX/XXXX for foreclosure. 
I wasn't even in default. 
I'm sitting waiting on US Bank to process the modification application while US Bank was processing a foreclosure action.

Now here we are again.

I'm sitting waiting on US Bank to process a modification application while US Bank is preparing to sell my house on XX/XX/XXXX. 

US Bank sent me a letter offering to help me on XX/XX/XXXX and I responded. 
XXXX days later US Bank Attorney got an Odrr from Judge to sell my house. 
I am a full time XXXX XXXX 
I am gainfully employed. 
But I am being denied the right to pay mynown mortgage. 
US Bank are you going to have your Attorney get an Order canceling the sale of my home? 
Are you going to let me pay you? 
You are sending me one thing in the mail and sending your Attorney another thing.

I have complained to the FL Bar on this man when he's only doing what US Bank told him to do.

That is not right. 
We are not on the same page.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Today, XX/XX/2023, at XXXX I received a phone call from someone claiming to be a Wells Fargo agent. He claimed there was fraudulent charges on my account and he asked for some of my personal information. I gave him the last four digits of my SSN and the pin number for my debit card. After this I called the Wells Fargo fraud number and they informed me my debit card was cancelled and reissued. I found out the scammer tried to withdraw {$1000.00} which was denied and set up XXXX XXXX which I did not authorize. I have already spoken with Wells Fargo, XXXX and the FTC. His name was XXXX and the phone numbers he called me from are XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-08-12
Product: Credit reporting 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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (KS)

On XX/XX/XXXX I sent a {$590.00} payment on my Chime card to my wife. Before she was able to claim it someone stole our phones. That night I emailed Chime and live chatted with Chime and let them know what happened and filed a dispute. Within 30 min and me not even having time to send in supporting documents, they denied my dispute. I told them to appeal it and sent in the police report, witness statements and some more documents On XX/XX/XXXX they told me Id receive a credit by the XXXX I never received it. Then on XX/XX/XXXX I received a email that they denied it. I asked for paperwork and never received it. Since then I have emailed Chime on XX/XX/XXXX, XXXX, XXXX, the XXXX, XXXX all the way up until today for paperwork and someone to reach out to me and Ive heard nothing. I have kept every single email and paper trail.
Consumer complaint received 2023-07-07
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

As of today XX/XX/2023, PHH Mortgage continues to mislead and prolong information needed to Apply for the XXXX XXXX XXXX XXXXXXXX. Ocwen is the origin loan servicer for my loan. PHH Mortgage Services ' information regarding my loan has multiple legal violations in which my mortgage payment her not accurately reported on my statement. A letter was sent to my home on XX/XX/2023 stating that I didn't give them legal consent for my fiance to get information which is totally false. I have given them written consent to allow my fiance to have consented to the information. PHH Mortgage Service continues to use tactics to not resolve issues that are being stated. XXXX XXXX from PHH Mortgage Services continues to avoid giving me the information requested. I have contacted PHH Mortgage Services for years and the refusal of providing the information requested was not provided. PHH Mortgage Services continue to violate the federal consumer financial protection act and state laws governing unfair and deceptive business practices. As of today XX/XX/2023, PHH Mortgage Services failed to promptly and accurately apply for my loan payments, failed to maintain accurate account statements, didn't provide accurate and timely information to me who sought information about loss mitigation services, such as loan modification, provide false or misleading information to me for loan transferred from other loan servicers, improperly denied loan modification several times to me, provided false and misleading reasons for denying loan modifications, failed to honor modifications that were already in process and that had been agreed to by prior lender and servicers that had transferred loans which was Ocwen my original servicer.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint against Experian due to their repeated failure to adhere to their legal responsibilities to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The consumer disputes a consumer reporting agency. The consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file by paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I have disputed this inaccurate information with Experian multiple times, providing ample evidence to support my claims. However, Experian has consistently failed to conduct a reasonable investigation into my disputes and has continued to report inaccurate information.

This blatant disregard for their legal obligations has caused me considerable stress, anxiety, and financial hardship. I have been denied credit, faced higher interest rates, and been subjected to other adverse actions due to Experian 's negligence.

I urge the CFPB to take swift and decisive action against Experian to hold them accountable for their misconduct and to ensure that they comply with their legal responsibilities as a furnisher of information to consumer reporting agencies. 

XXXX XXXX Account XXXX Updated The item you disputed has been updated, which XXXX include an update to the disputed information. Please review your report for the details. 

XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. XXXX, a representative from Experian, stonewalled me and informed me that he and Experian do not remove accounts because it is not in their best interest.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (GA)

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. 


has violated my rights. Or list of inquiries 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 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

I mailed my personal check # XXXX to pay my charge card balance for approximately {$170.00}. The 'pay to the order of ' and 'amount ' was fraudulently altered and cashed by XXXX XXXX XXXX for {$9600.00}. When I was verifying my balance via the PNC Bank automated telephone system, I immediately went to the PNC Bank XXXX XXXX to report the money was missing or stolen funds from my checking account. I also filed a police report with XXXX XXXX Police department on XX/XX/XXXX. I have made numerous calls to PNC Bank and as of today ( XX/XX/XXXX ) they have not reimbursed my account. PNC has not provided any details of how this egregiously altered check which someone use white out to alter was cashed. I personally placed the check in the mail at the XXXX XXXX XXXX so am not sure how the check was stolen. I have had conversations with PNC Bank Fraud investigators who indicated it would take 120 days for them to complete their investigation. On XX/XX/XXXX my conversation with them ( XXXX in the Fraud unit ) indicated that another bank would have to investigate in order for my money to be reimbursed. I think this is ridiculous since this is now almost 6 months that my money was fraudulently removed from my personal checking account.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (WA)

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. these inquiries need to be removed XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX  XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN  Inquired XXXX XX/XX/XXXX EXPERIAN  Inquired on XX/XX/XXXX EXPERIAN  Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN CREDIT MATCH XXXX on XX/XX/XXXX EXPERIAN CS IDENTITY Inquired on XX/XX/XXXX EXPERIAN CS IDENTITY XXXX on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX DATA Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquired XXXX I 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 2023-07-07
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-05-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (FL)

On XX/XX/XXXX I sent a Notice of Rescission to EXETER FINANCE LLC and their CEO XXXX XXXX XXXX to make them aware that I was exercising my right as a federal protected consumer to rescind the consumer credit transaction. Per truth in lending they did not clearly disclosed to me how to do so or provide me with the appropriate forms to complete the process. I know that I am the obligor and I have 3 years from the date of consummation of the transaction to exercise my rights. But EXETER FINANCE told me that are not willing to accept my Notice of Rescission, which I know is illegal! And I also sent them 2 Cease and Desist which they continue to send me multiple letters to me and communicate with me through my consumer report indirectly. Just recently they failed to let 2 towing companies know that I have a Cease and Desist in place and had my vessel dispossession from my dwelling. On XX/XX/XXXX my vessel was stolen from my dwelling and the tow company hired by EXETER FINANCE LLC has failed to give me my possession when I called to get my things back.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (CA)

There is an account opened on my credit report from XXXX or 2023! The account is XXXX XXXX XXXX  the account number is XXXX. This is not my account and it is fraudulent. Its also defamation to my character by having this reporting to my credit report. I have reached out to the company but havent heard anything.