davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After carefully reviewing my credit report. I noticed transunion and XXXX are still illegally reporting an inaccurate/alleged account after being notified of this on numerous occasions. Under the laws and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL In addition, if XXXX and transunion singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 

Furthermore, the bureaus are hereby notified that at no point in time and under no circumstances is the company ; an employee of XXXX and transunion company ; a representative for XXXX and transunion company or affiliates are to contact me or any family members by any means other than the XXXX mail system and responses through the cfpb.
Consumer complaint received 2022-01-24
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. (VA)

I XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, EQUIFAX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXX XXXX- XXXX, US DEPT ED- XXXX, XXXX XXXX XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Consumer complaint received 2022-01-23
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. (SC)

This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them removed.
Consumer complaint received 2022-01-23
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. (SC)

This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them removed.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( XXXX ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( XXXX ). 

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( XXXX ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 

Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

( Ive already submitted an Identity theft report to the FTC )
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (VA)

Upon reviewing my credit report at the end of XX/XX/2021, I noticed there were several inconsistencies with my account with Mercedes Benz Financial Services. On XX/XX/2021, I sent a direct dispute to the company to discuss these challenging the accuracy and integrity of the information to no avail. I do not agree with their actions and continuation of reporting these inconsistencies. During this process I have been declined credit and my credit worthiness has been compromised immensely. 

12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

After carefully reviewing my credit report. I noticed XXXX and Experian are still illegally reporting an inaccurate/alleged account after being notified of this on numerous occasions. Under the laws and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL In addition, if Experian and XXXX singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 

Furthermore, the bureaus are hereby notified that at no point in time and under no circumstances is the company ; an employee of Experian and XXXX company ; a representative for Experian and transunion company or affiliates are to contact me or any family members by any means other than the XXXX mail system and responses through the cfpb.
Consumer complaint received 2022-01-23
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. (TN)

I have previously filed a complaint with XXXX, the creditor that was involved with my identity theft case. They have already sent me an affidavit for identity theft in the mail and I sent that off on XX/XX/2022. I have also sent Equifax and XXXX a copy of my police report my identity theft report and other supporting documents multiple times. They have treated me very rudely. My brother, XXXX XXXX, opened a fraudulent credit card in my name and made himself an authorized user of the card. Based on the police report I have sent them, he has also had a history of stealing checks from my family. I have substantial evidence of my identity theft and still have not had this account removed from my credit report. XXXX and Equifax even put a 7-year fraud alert on my account but then proceeded to say in recent dispute results that the account was accurate when it was not. Out of all the credit bureaus involved, XXXX by far has given me the best customer service. They have cordially and promptly deleted the fraudulent account from my credit file. I am still fighting with you months after I had found out about this fraud. Since XXXX is my XXXX, his SSN is only a few digits off from mine. That is how he was able to do this. I have not received any financial gain from this at all. I am sick of fighting this case. Why would you place a 7-year fraud alert on my account and then decided the fraudulent account in question is accurate? I am beyond speechless. XXXX has already received my affidavit. They should be beginning to perform their investigation.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I opened a XXXX XXXX XXXX XXXX XXXX credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.
Consumer complaint received 2022-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

They called XXXX XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ MERCHANTS CREDIT GUIDE ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
Consumer complaint received 2022-01-27
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

I purchased a {$16.00} dollar item on my XXXX Credit card just because I had not used the card in a while. Comenity Bank handles the XXXX card. They did not send me an invoice, ever. But did charge {$35.00} late fees and report to the credit bureaus. I contacted XXXX. They understood the error. Later XXXX even sent me a letter of apology which I still have. Comenity, the thief in this event, has never cleared the bad credit mark they reported and may not have refunded all the false charges they hit me with. I've been busy enough it's hard to keep wasting time that should not need to be wasted. Comenity appears to be ruining company 's reputations by charging that company 's customers huge late fees which they earn by NOT sending invoices. I have bought thousands of XXXX products in the last ten years alone. But never again.
Consumer complaint received 2022-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Pursuant to the Americans with Disabilities Act and Fair Housing Act, I sent Select Portfolio Servicing Inc. a reasonable accommodation request, a change, exception, or adjustment to a rule, policy, practice, or service. Select Portfolio Servicing , Inc. ordered an interior inspection of my property, denied my request and stated the following : SPS is required to service its accounts according to the requirements of the Noteholder and full payoff is required on the account. 

As a result, I forwarded my reasonable accommodation request to the Noteholder and below is the Noteholder 's response : I am writing in response to your email addressed to Executive management at XXXX Bank, concerning a mortgage with Select Portfolio Servicing. Your correspondence was passed along to me for response. 

XXXX Bank acts as a Trustee on behalf of many trusts which hold various real estate, but we do not have any specific information about individual properties and we are not involved in the decision making process regarding any real estate. In our capacity as Trustee we do not have an economic or beneficial interest in the loans and we have no authority to manage or otherwise take action on the loans ; this includes requests for loan assistance, modification and the like. All questions should be directed to the servicer of the property. 

The servicer of the property, Select Portfolio Servicing IncXXXX ( SPS ), is the party with authority to address the issues described in your email. Upon receipt of your email, we immediately forwarded the information to SPS. A response directly from SPS may come under separate cover. In the event you have additional questions related to this matter, please feel free to contact SPS. Their contact information is as follows : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX My additional complaints against Select Portfolio Servicing are Misrepresentation of my mortgage loan transactions, and failure to review my applications for loss mitigation and my reasonable accommodation request within 30 days and discrimination due to XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants & Medical Credit Corporation at XXXX XXXX XXXX XXXX XXXX mi,48507 has been sending me collection notices in the amount of {$220.00} the collection has been reported as a pastdue balance.i do not know this company, i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ....
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M HAVING A DIFFICULT TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT ON MY CREDIT REPORT.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I zelled 500 to a seller of an electric scooter and when he gave me the tracking number i sent him the remaining 360. The scooter has still not arrived and he now doesnt respond. I was scammed by this XXXX seller.
Consumer complaint received 2022-01-23
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: Bread Financial Holdings, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.