davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.
Consumer complaint received 2018-08-09
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. (VA)

In XX/XX/XXXX, my TransUnion FICO score dropped from XXXX to XXXX and has since declined to XXXX by XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to understand why my score dropped. The customer service rep and manager said that my dropped because of my " delinquent '' ( closed ) account from XX/XX/XXXX, and that I have several student loan accounts that recently have been closed. 

I explained to the manager that I paid-off the loan on that delinquent account back in XX/XX/XXXX/XX/XX/XXXX and that my score was previously impacted by the delinquency in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They responded that the TransUnion algorithm can choose to re-include that account in my FICO calculation. This effectively penalizes me multiple times for one delinquency. 

Regarding the student loan accounts, the manager said that I am being penalized because those accounts were closed. I explained that I paid-off all my student loans, that is why those accounts are closed ; I went on to explain that paying off my student loans makes me more credit worthy and confused why that would negatively impact my FICO score. 

They offered no resolution for my above arguments.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Complaint Regarding Erroneous Debt Reporting by Credit Bureaus Dear Sir/Madam , I am writing to formally lodge a complaint regarding the persistent and erroneous reporting of a debt on my credit report that is not mine. The debt in question is associated with the account number XXXX from XXXXXXXX XXXX XXXX. 

According to 15 U.S. Code 1681a - Rules of Construction, I did not give written permission for these accounts to be furnished on my credit report. Furthermore, this erroneous reporting has caused significant distress and has adversely affected my creditworthiness. 

Additionally, I would like to bring to your attention the implications of 18 U.S. Code 894 - Collection of Extensions of Credit by Extortionate Means, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

Given these legal stipulations, I demand that the credit bureaus present me with the complete debt history, including documentation bearing my signature, to validate this debt claim. Failure to do so will necessitate further legal action to rectify this unjust situation. Immediate Removal of the Erroneous Debt. 

I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit bureaus rectify this erroneous reporting immediately. This includes the removal of the incorrect debt from my credit report and the cessation of any further attempts to collect this debt. 

Please keep me informed of the progress of my complaint. I am eager to see this matter resolved swiftly and fairly. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-18
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenaci ; ous rebelliousness. XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$6300.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX SXXXX XXXX XXXX XXXXXXXX Balance : {$970.00}.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OK)

debt is being report as collection or charge off in the amount of XXXX, I have never been under contract with XXXX, I have disputed several times with Experian and XXXX   the information being reported has not been validated and is inaccurate, both XXXX and Experian don't show a whole account number. also the contact information on report is inaccurate I have tried contacting XXXX through the address on my report and phone number, in which letters are sent back as un deliverable the FCPB has tried making contact and has not been able to contact either, So under FCRA not being able to dispute and wrong information add to report must be deleted, I will not file another complaint after this but am in prosses of filing a civil case against XXXX and Experian, for unvalidate and wrong information being reported to my reports and I will seeking XXXX in court, unless this is solved prior to court I will not settle the day of court.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.
Consumer complaint received 2024-07-17
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX.
Consumer complaint received 2024-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with I C Systems Collections, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

XX/XX/2018 - Sent communication to Diversified Consultants to verify debt with original contract as I do not recall having an account with them nor XXXX. 

XX/XX/2018 - Received a letter from Diversified Consultants with a printout of the bill, however that does nothing for me as someone could have taken out this account in my name, online. 

XX/XX/2018 - I received a letter requesting a fraud affadavit. I didn't ask for this, however needed clarification before proceeding with the fraud process. 

XX/XX/2018 - Sent another letter requesting proper verification of the account. I received only a printout of the bill, however didn't get an original agreement, verification that XXXX authorized them to collect on my behalf, nor did I receive a copy of the verification documents used to confirm my identity upon activation of this account. 

XX/XX/2018 - I sent another letter requesting information again as I haven't been getting the necessary help I request to resolve this account once and for all.
Consumer complaint received 2024-07-17
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. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an account that are reporting late payments inaccurately. I have contacted the company associated with this account, and they have confirmed that the late payments was errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate this account promptly and make the necessary corrections. 

Below is the account in question : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-17
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. (NJ)

This is my follow up complaint, I sent a letter on XX/XX/2024 to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2024. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with XXXX XXXX XXXX, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. 

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Consumer complaint received 2018-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/18 I transferred {$250.00} from a USAA mutual fund account to a USAA checking account. Per the written terms published on their website and information on the screen during the transaction, the funds should be available same-day as they have been in the past and in compliance with The Expedited Funds Availability Act ( EFAA ).

The terms of their depository agreement state : When Available Type of Deposit Same business day as the day of deposit. 
Funds received electronically through an ACH credit Transfers from other XXXX accounts you own ( Copied and pasted. Transfers from other XXXX accounts I own, same day ). 

Immediately after completing the transaction, a message came up saying there was a 2 day hold on the funds, no warning before. I complained to USAA and said the written terms said the funds will be available same day and XXXX says there should at most be a 1 day hold because this is a USAA to USAA transfer and meets none of the " exceptions '' for longer holds. 

The USAA rep said they had a " new policy '' beginning XX/XX/2018, and apparently had not updated their online terms yet. - Beginning XX/XX/XXXX, when members move money from USAA mutual funds ( USAA Funds ) or USAA Life annuities to a USAA Federal Savings Bank ( USAA Bank ) checking or savings account, the money will no longer be available immediately. A one to two-day delay in funds availability will apply to future, recurring and on-demand transfers. They should absolutely have to adhere to the written terms online because they stated in writing the funds would be available same day, and a 2 day hold to a low-risk usaa to usaa transfer is in violation of EFAA because this transaction meets no exceptions for longer hold time. 

I had moved this money to cover a bill. On XX/XX/18 even though USAA had the funds, because of the 2 day hold the funds were not available and they rejected the bill payment for NSF including a {$29.00} fee to USAA, {$27.00} NSF fee with the merchant and {$35.00} late fee with the merchant for a total of {$91.00} fees due to this hold.
Consumer complaint received 2018-08-09
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. (MI)

In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXXXXXX XXXX Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX  and Equifax I have been in contact with both credit reporting companies numerous time regarding the fact that my social security number is incorrect. I have sent in my Identification Card as well to correct this issue. It has not been corrected and in return, I have had trouble getting a loan at the bank. I have went to the Social Security Administration and obtained an official letter stating that my social security number was correct and sent that as well. My credit information remains incorrect and neither company has made steps to fix this issue.
Consumer complaint received 2018-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/17 thru XX/XX/17 there was more than {$1100.00} in unauthorized atm withdrawals/debit charges to my account. My immedialty went to the bank disputed the charges explaining my safe was stolen out of my hotel room by individuals that I know. The wife called the hotel pretended to be me adding her husband to my reservation without verifying bcc it was done via phone. I went out for the night to celebrate my bday, when I came back I noticed my safe was empty. I was traveling at the time so the only place for me to keep something valuable would my safe. Santander bank is the only bank I know of that sends a debit/credit card in the mail. a seperate envelope that has a PIN number inside for th debit card. Which was how my PIN number was revealed. The couple was not on my reservation, I never gave my pin to debit but card to anyone ever. Since XX/XX/2017 Ive filed a claim about these charges numerous times. The bank refuses to credit me. I provided a police report etc. I called the FDIC for help because I dont understand how Im not entitled to the money that was stolen. They referred me to you. So Im hoping you can help. Im attaching affidavits, list of unauthorized charges and letters from the bank regarding there decision.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendleton Capital Management (OH)

I have had XXXX XXXX from Pendleton Capital Management contact me Monday, XX/XX/XXXX before XXXX XXXX. One call was at XXXX XXXX then again at XXXX XXXX eastern standard time. When I didn't answer he then called my parents which would have been before XXXX XXXX  central time as they are in Texas. Not only did he call them before XXXX XXXX he also released my debt information to them. I know this from the details relayed to me in a text message. When setting up payment arrangements on a previous call to these calls, Mr. XXXX failed to mention to me a {$10.00} processing fee for each payment, which I am still being charged and it is not being applied to my debt as it should be since on a recorded line I was not informed of it. When speaking with Mr. XXXX on XX/XX/XXXX I mentioned this to him and his response was " oh Yeah ''.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (DE)

See previous complaint. Shellpoint is not trying to help me with the back payments or anything. They are not even answering my emails. See attached.
Consumer complaint received 2024-08-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with XXXX, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. 

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Consumer complaint received 2022-02-26
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. (TX)

In accordance with fair credit reporting Act XXXX XXXX XXXX with account number XXXX has violated my right.

15 USC 1681 Section 602A. State I have a right to privacy.

15 USC 1681 Section 604A Section 2. It also state a consumer reporting agency can not furnish an account without a written instructions.
Consumer complaint received 2018-08-09
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. (MO)

My next step is to file a suit against the credit reporting agencies, XXXX  and Equifax to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXX 5 ) XXXX 6 ) XXXX XXXX