davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (UT)

i have disputed multiple times with Equifax and the dispute comes back verified. I want actual proof showing that every debt that i have disputed has been verified. I have not got shown anything. I am demanding how they verified that every account has been verified. Including contracts, agreements, written consent that I have agreed to a certain account. I want full documentation to show that i was the one who signed the contract. If not i want everything i have disputed removed and taken off from my credit report that is not mine. Multiple address and phone numbers as well. Confirmation numbers for disputes are XXXX and XXXX. I want equifax to send verification that the accounts were actually verified.
Consumer complaint received 2022-02-10
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. (AZ)

I submitted my first complaint back on XX/XX/21 ( complaint details attached ) because Experian was violating my federally protected rights as a consumer pursuant to the FCRA. I never gave Experian written consent to furnish two ( 2 ) inquiries on my credit report and file. I sent them an Affidavit of Truth stating this along with an invoice to compensate me for the violations. ( all attached ) Their response to this complaint was " ... Regarding the inquiries, by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. '' ( complaint details attached ) This was not an adequate response to an Affidavit of Truth. In accordance to the laws of Commerce, an un-rebutted affidavit stands as Truth. After they did not comply to this complaint, I filed another complaint stating just this. Experian responded "... According to our records, the disputed information does not appear on your current Experian credit report. '' I checked my credit repot and file and they were deleted. These inquiries were previously on my credit report and file. The exhibit in the affidavit sent shows proof of them. I write this third complaint in hopes that the CFPB will hold Experian accountable to compensate me for their violations against me pursuant to the FCRA.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (AZ)

I had a XXXX XXXX account from XX/XX/XXXX to XX/XX/XXXX. I paid my last bill on XX/XX/XXXX. And for some reason, XXXX would not provide me with a closing invoice. I made several requests since my disconnection in XXXX with no success. Within a few short weeks ( 15 days or so ), XXXX hired Williams & Fudge by XX/XX/XXXX ( according to the XXXX invoice, Williams & Fudge mailed to me ). The Invoice is not correct and did not have the charge details or closing statement information. I have paid XXXX twice and Williams & Fudge refused to use my checking account activities, as proof of payment. So, Williams & Fudge reported my XXXX account to the credit bureaus, on more then one occasion. I wrote a certified letter to Williams & Fudge on XX/XX/XXXX ; asking them to remove the collection item off of my reports, according to the Fair Debt Collections Practices Act. They removed all of the negative reporting within 30 days of the certified letter. But, I was notified in XX/XX/XXXX that Williams & Fudge placed the XXXX collection back on my XXXX report. Even when the XXXX account was paid in full.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Received letter from Capital One dated XX/XX/XXXX stating they were not servicing IRAs any longer. I had XXXX Bank complete and submit paperwork to transfer IRA. On XX/XX/XXXX my account was closed and cashiers check was sent to XXXX Bank in REGULAR mail. Check was never received. I had to fill out affidavit, have it notarized and faxed back to Capital One after waiting Capital Ones required time to see if check would arrive. Fax was sent back XX/XX/XXXX with cover letter to reissue and send reissued check by XXXX to track to make sure check was received. Manager at Capital One said due to human error wasnt sent XXXX and was reissued XX/XX/XXXX and sent once again in REGULAR mail. As of XX/XX/XXXX check has not been received by XXXX. In the meantime no interest is being paid on this amount and no check has been received. I was asked to wait until XX/XX/XXXX to see if check arrives and there was no definitive answer to what action would be done then if check is not received.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IA)

On XXXX I wrote check number XXXX for {$100.00} to XXXX XXXX. On XXXX it was cashed as check number XXXX. On XXXX it was cashed again as check number XXXX. I first called US Bank on XXXX. I was told I would receive paperwork I never received. I called again on XXXX and spoke to XXXX. I was told it was a double posting and I should see the money in my account in XXXX days. On XXXX I called a third time and spoke with XXXX and XXXX. I was told a fraud case was opened and I would receive paperwork in the mail. I never received the paperwork. On XXXX I went to my US Bank and met with XXXX. I was told it appeared both a double posting and a fraud case were opened. Both times more information was requested by the company, although no one requested more information from me. Both times the requested information was not received and no one followed up or contacted me. On XXXX I left a message for XXXX wanting to know where the case stood. I received a message back saying it was being worked on. On XXXX I returned to US Bank and spoke to XXXX who opened another case and said the money should be in the account within XXXX days. I then asked to speak to the manager, last name XXXX, and requested the money be placed in my account now while they continue to investigate. I was told that was not possible as " debits have to equal credits! '' and told I should see the money in my account in XXXX days. I don't believe them anymore.
Consumer complaint received 2022-02-10
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. (PA)

Please be advised that as of ( XXXX ) -as listed on my most recently reviewed consumer report, there are unverified accounts listed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX, SCXXXX  has been sending me collection notices in the amount of {$600.00} and the collection has been reported as a past due balance. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Consumer complaint received 2022-02-11
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. (TX)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX, TRANSUNION, AND XXXX are doing identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, Transunion, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : TRANSUNION- ACCOUNT NAME : XXXX XXXXXXXX XXXX, ACCOUNT # XXXX TRANSUNION- ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX - ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX : XXXXXXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXXXXXX, ACCOUNT # : XXXX XXXX- ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCT. # : XXXX TRANSUNION- ACCOUNT NAME : XXXX XXXX, ACCT. # : XXXX XXXX ACCOUNT NAME : XXXX XXXX, ACCT. # : XXXX TRANSUNION- ACCOUNT NAME : XXXX XXXX, ACCT. # : XXXX XXXX  ACCOUNT NAME : XXXX XXXX, ACCT. # : XXXX PLEASE DELETE
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (WV)

On XX/XX/XXXX my mortgage is paid in full, I tried to get in touch numerous times with BSI Financial service these are the people that holds my mortgage Either I waited on the telephone for at least 30 minutes or more, or we will lose connection. I did not get any information or letters stating that my mortgage was paid in full until I started calling BSI customer service every day after my mortgage was paid off in full.Then some of the response letters that I receive had misinformation.I see that BSI financial service had A settlement with consumers financial protection bureau in the past. I read the settlement and with my experience With BSI financial service, the practices that was stated as a complaint in settlement is continuing with BSI Financial service
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I took a auto loan with credit acceptance my Vechile was stolen and my insurance paid majority of the loan I had gap insurance which they claim I was missing a payment so the gap only paid partial of the remaining balance. I believe this was rigged and somehow wrong however credit acceptance never contacted me on the balance. And in XXXX a month after the gap insurance paid. Credit acceptance reported approximately {$900.00} On my credit report. I believe this was a form of harassment because they did not get make money off me with a complete loan term. However after contacting credit acceptance I agreed to settle with the amount of XXXX I paid this and they then reported I was still late on XX/XX/2022. Which I paid before this date. After they reported this amount they reported flagged my credit report 60 days past due even though I settled. This was a means of harassment. I will be filing a million dollar lawsuit against them. But I must fill these channels. Credit acceptance uses peoples credit reporting as means of and forms of harassment and bullying this is wrong and credit acceptance should be held accountable
Consumer complaint received 2022-02-11
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. (VA)

I pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 XXXX XXXX XXXX  reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to XXXX, Transunion & XXXX which was received on XX/XX/2021 by all three reporting agencies Transunion tracking : XXXX XXXX  Tracking : XXXX XXXX Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to XXXX, Transunion & XXXX in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

Transunion tracking : XXXX XXXX tracking : XXXX XXXX  : XXXX XXXXl XXXXXXXX XXXX Tracking : XXXX Attached are the letters that were sent as proof.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To Whom it May Concern : In XX/XX/2021, I traded in my vehicle financed by XXXX  XXXX  and closed the account with a {$0.00} balance. Recently, I pulled my credit reports and I see that TransUnion is still reporting the account as Open with a balance and monthly payment. This error is affecting my debt-to-income ratio and is preventing me from loan approval.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

Greetings, National Credit Systems is holding a collection account in my name without any supporting documentation even after XXXX  disputes, through XXXX. I have requested any and all supporting documents from XXXX and they have been unable to provide any supporting documents even after XXXX  disputes and several hours of phone calls. I have found XXXX representatives to lie directly to me and block my requests for information. This collection account is causing me great harm as it is a housing/leasing creditor class and is preventing me from obtaining housing with my XXXX XXXX. The collection dispute Confirmation number is XXXX. Please help me correct this collection that was placed in my name incorrectly
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION.
Consumer complaint received 2022-02-10
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. (VA)

I have new & updated information on TRANSUNION. I have knowledge & proof that TRANSUNION Is breaking the law by violating 15 USC 1681c-2. Once a consumer notifies a Consumer reporting agency of identity theft, they must block the information resulting from the fraud 4 days upon receipt. Transunion received my identity theft report on XX/XX/2022. Its well over 4 days and TRANSUNION failed to block this information. I spoke to a TRANSUNION rep named XXXX on XXXX at XXXX PM & have documentation of him stating that TRANSUNION put my identity theft report on file as a 30 day dispute instead of identity theft & blocking the information from the result. XXXX, a TRANSUNION rep stated that TRANSUNION cant block the information they can only dispute it with the furnisher. I insisted on walking XXXX through the law to show him why its unlawful. XXXX, a rep from TRANSUNION chose not to comply with the FCRA. Neither TRANSUNION, or the person furnishing the fraudulent reports on my behalf have permissible purpose to furnish a report on me. TRANSUNION is willfully non compliant to federal law. TRANSUNION is failing their grave responsibilities of reporting with fairness, accurateness, impartiality, and a right to consumer privacy. This is hurting my ability to obtain credit. Im being suppressed & violated. In closing, i would like to also state that XXXX is also violating in the same manner as TRANSUNION. I couldnt call XXXX to inform them of the violation because XXXX doesnt allow consumers to call them directly for disputes. I dont consent to E-Oscar or any generic responses.