davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below : XXXX. Creditor Name : XXXX XXXX XXXX IN XXXX. Creditor Name : XXXX XXXX XXXX Under XXXX XXXX, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness if the information us hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX BANK # XXXX, Account name : XXXX  XXXX  XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-07-15
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2020-01-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mark A. Leachman P.C. (MD)

In XXXX I took out a payday loan for {$400.00}. Over the next four months I had to make payments of XXXX $ XXXX/month to satisfy paying off the loan without additional fees. I did pay off the loan but in XXXX I was notified by the law office of XXXX XXXX XXXX in Colorado that my debt now totalled > {$1800.00} with fees. Until XXXX I had not been notified that this original payday loan was unpaid. When I asked the law office for proof of non-payment they stated they did not have access to these documents. I was unable to find previous email correspondence showing my receipt of payments from XXXX due to the the email account had been deactivated years prior. In trying to find a resolution the law office refused to negotiate and then served me notice at my home in XXXX. In short the law office of XXXX XXXX XXXX has not been able to prove my loan was not paid and has added over {$1500.00} in fees and penalties as they say my new balance owed is in excess of {$2000.00}.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (GA)

Recently, i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the 3 credit agencies didn't make sure was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, i request to know all the steps they took to insure that these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) -Method of verification In accordance with the Fair Credit Reporting act these following accounts have violated my rights- XXXX XXXX : Acct # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States i have a 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.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

They do not want to send me my reports even though I have sent all my documents and evidence from the court that I do not owe anything, nor do they want to correct the report. When I called and asked for a supervisor, she responded by hanging up the call. I did a chapter XXXX on XX/XX/year> was release. They know that because they already have the information that I sent them trhough certified mail several times.
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I bought a gift card online for {$75.00} and was given instructions on how to redeem it using an app called XXXX on XX/XX/19 and never received it. I contacted the seller and no answer and contacted my bank ( Wells Fargo ) to dispute and told them I never received the item and paid it using XXXX XXXX they told me it was a valid transaction and closed the dispute. I contacted the bank and they gave me an email to reach out to see about a reconsideration of the result of the dispute. That email responded they don't handle these matters over email and then reverted me back to the Dept I contacted in the first place. Definitely reconsidering banking with them anymore.
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NM)

On XX/XX/XXXX, I applied for a new apartment. I listed XXXXXXXX XXXX  in XXXX, XXXX as a previous landlord reference because I had assumed there was no issues between us and XXXX. However, XXXX informed my new apartment that I owed them {$3700.00}. 

I left XXXX in XXXX to move to XXXX XXXX and this was the first I had heard of this supposed debt. My e-mail hasn't changed, my phone number hasn't changed, my roommate 's e-mail and phone hasn't changed. Additionally, despite it being a joint account, he is not being marked on his credit report. 

I requested information from XXXXXXXX XXXX  but they deferred me to Assurant/IQ and never responded to me again. The original call to Assurant/IQ showed no debt had been sent to them. I received a call a few days later saying they had the debt now, but when I requested more details about the debt past " damages '' they did not provide any. I informed them I was going to be requesting information by mail. 

The next day or two ( unknown exactly when - around XX/XX/XXXX - I have a receipt somewhere, but I moved to another address in XXXX so it is buried ), I sent out an official letter requesting all information regarding this supposed debt to be sent to my current address. 

Since I had sent that letter, I received no correspondence through mail, phone, email, or otherwise. I assumed this meant the debt had been dropped as they can not prove its legitimacy. 

On XX/XX/XXXX, my credit score dropped significantly and a mark had been made that this debt had not been dropped. I have still not received any information. I have not even received a call or a letter from Assurant/IQ informing me of how I can contact them, exactly how much they want me to pay, or what the debt is for. 
I have received no billing statement or account number.
Consumer complaint received 2023-04-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WA)

Debt collector Midland has recently contacted me about a debt they state belongs to me. They said it was from a payday loan place called XXXX XXXX XXXX made back in XXXX. I told them that It was not me and it must be a mistake at which point I requested additional documentation such as how it was made, proof of where the money was sent to etc. They refuse to send me any documentation and demanded that I pay them. I told them I am not paying something that I was not responsible for. I am not sure what is happening and I am very concerned as I know I did not take out a loan. I've literally requested them to send me everything that the have so that I can review it. At this point they are hanging up on me. This is not how you properly handle businesses. Accusing someone of a debt that they have no knowledge of. I've never received not one letter or notice of this. They are just calling and harassing me at this point.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-07-26
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. (IL)

15 U.S.C. 1692G - Requested Purchase agreements all attached never received?

- copy of payment history - name and address of original creditor - proff of claim 15 U.S.C. 1692k - civil liability They sending letters with there logo 15 U.S.C. 1692c - communication - requested cease communication form of reporting to credit bureaus remove accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel alot of my rights have been violated under FCRA please help this is preventing me and my family from buying my house
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/year> I contacted Navy Federal Credit Union that there were numerous charges made on my credit card that I didn't make or authorize. They said they would start a investigation into these charges. I received a letter from XXXX XXXX XXXX dated XX/XX/year> stating they were commencing a investigation of the charges. I received a second letter dated XX/XX/year> from XXXX XXXX XXXX they stated based on our preliminary investigation, we determine a error had occurred. I received a third letter from the credit union XXXX XXXX XXXX still didn't fully removed all oh the unauthorized charges from my credit card. I have called them on several occasion trying to get these unauthorized charges removed from my credit card to no avail. Request your assistance in helping me resolve this issue. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (CA)

I did not give XXXX any permission or permissible purpose to shared any of my information with a 3rd party company such as a CRA. I have aright to privacy pursuant 15 USC 1681, 1692, and 16801. My private information such as my personal loan information should remain private and not shared with a non affiliation 3rd party company. XXXX has shared my information and reported my private information without my consent which constitutes as AGGRERATED IDENTIFY THEFT due to the fact that I did not permissible purpose to share or report my information on my consumer reports. As a consumer, XXXX has a right to protect my personal nonpublic information. 15 USC 6802 states, XXXX is not obligated to report or disclose any nonpublic personal information to a 3rd party company that has no affiliation with XXXX unless XXXX provides me with a notice that comply with section 6803 of this title. I have not nor have I ever received any notice from XXXX
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NC)

In XX/XX/XXXX I made an incorrect payment use my XXXX XXXX online banking application, I paid an old credit card that was sold from Barclays - BARCLAYS BANK DELAWARE - CREDIT CARD. The payment was for {$1100.00}. When discovered the error worked with XXXX XXXX and XXXX XXXX sent proof of payment on XX/XX/XXXX - to XXXX XXXX XXXX. XXXX XXXX agent and I spoke to customer service who supplied the number and instructions for getting the payment traced and process. The Barclays representative stated it would take up to 25 business days. XXXX XXXX and I followed up on this a few times after the 25 business days. I with a XXXX XXXX representative escalated the situation on XX/XX/XXXX during a 2 hour session of being transferred and put on hold numerous times. Finally a manager XXXX XXXX XXXX said he would escalate and would also send an escalation email and was hoping for a two day turnaround but should be within 5 days and he saw they had everything they needed in XXXX. 

I called today and was put through to a manager who says nothing since XXXX was worked. Gave a new SLA of 10 days. 

This should be a very easy item to resolve especially with the proof of payment - this illustrates numerous control break downs, lack of knowledge for SLAs and processes and poor customer service - they refuse to call me or provide anything in writing - feel like I am dealing with criminals.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-16
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 is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

Hello, My credit report was updated this week and now shows that Mohela is reporting my student balance incorrectly. 

I have a roughly {$120000.00} balance, but they are reporting that I owe over {$270000.00}. I consolidated my loans in XXXX and now the original, individual loans are showing as well as the new balance on the consolidated loans. I didnt bother to call them because it takes hours to get someone on the phone, and I finally do get to talk to someone, they never have any substantive answers. 

Please look into this. I have seen others reporting this same issue on XXXX. My husband and I just sold our house and need to find our next home, so this is a massive problem for me. 

Thank you for your time and help, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MORTGAGE SOLUTIONS OF COLORADO (SC)

On XXXX the add an escrow advance to my mortgage for XXXX which raise my payment from XXXX to XXXX. Im service member which made entitle to get 4 % home owner tax exempt. Which the revived the paperwork as proof and refund for XXXX of over pay taxes for XXXX and beginning from XXXX which the received on XX/XX/XXXX they are giving the round about this matter are trying to make me pay XXXX until XXXX which is putting in finacial hardship. Im not suppose topay that amount when that should be covered by XXXX XXXX. Also I was told that refund was suppose to come to me but they are keeping it and claimed that I still have to pay. Not only that I submit a forbidsnce and since XXXX that was suppose to 30 days nothing hasnt happen yet. Every time I called they keep for hour or so to tell me that underwriter hasnt make a desicion yet on that. I need them to actually stop abusing the system and provide some clarity fix my mortgage payment way should be and the all this extra money I have been paying I need explanation as well.
Consumer complaint received 2024-09-09
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. (LA)

I have repeatedly requested that they investigate the accounts below and provide me with any documents to support their reporting. As of today, they still need to supply such documents Experian states their are no such documents from them all the information comes from the creditors XXXX XXXX XXXX XXXX. XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by their agency in my earlier disputes.

All the information you used for their investigation, as FCRA 611 ( a ) ( 7 ) required, Written proof that you forwarded all the relevant information in my earlier disputes tr creditor. FCRA 611 ( a ) ( 2 ) ( B )