davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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. (FL)

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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (KY)

This is a shady collections company. 

They failed to follow any of the legal ways to contact me before reporting me to a credit reporting agency. This debt wasn't even known. They ruined a home sale that was about to take place. 

Per CFPB A debt collector must use at least one of the following ways to contact you about your debt before it sends information about the debt to a credit reporting company : Speak with you in person Speak with you by telephone Mail you a letter and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered Send you an electronic communication and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of the above was completed. I have 2 years of emails and none from them. They reported me without calling, mailing, talking in person or sending a email. Their email 's get sent to spam by XXXX or don't come through. 

This is known by this company yet they shady practices.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (IN)

How do I get my payment? 
Please order Wells Fargo to give me my payment. 
No, the CFPB action against Wells Fargo was not a class action lawsuit. CFPB XXXX My mortgage was in Foreclosure for 14 Years Wells Fargo XXXX offered me a modification CFPB Director Rohit Chopra noted in a statement that the Bureaus XX/XX/XXXX order and the massive fine against Wells Fargo, who reportedly has {$1.00} XXXX in assets, is only the first step in fixing the banks fundamental problems. 
Wells Fargos rinse-repeat cycle of violating the law has harmed millions of American families, said CFPB Director XXXX XXXX Improperly denied me mortgage modifications : The bank incorrectly applied borrowers payments, improperly charged fees and interest, The CFPB determined that Wells Fargo had engaged in unfair and deceptive practices with respect to its auto loan servicing business The CFPB order requires Wells Fargo to : The CFPBs investigation found that Wells Fargo violated the Acts prohibition on unfair and deceptive acts and practices. 
Provide more than {$2.00} billion in redress to consumers : Wells Fargo will be required to pay redress totaling more than {$2.00} billion to harmed customers. These payments represent refunds of wrongful fees and other charges and compensation for a variety of harms such as frozen bank accounts, illegally repossessed vehicles, and wrongfully foreclosed homes. Specifically, Wells Fargo will have to pay :
Consumer complaint received 2023-02-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation (AL)

On XX/XX/XXXX I received a letter from Covington credit about repeated attempts to collect a {$160.00} payment. They say they have been calling everyday for weeks to collect payment. They also say if I dont pay them soon further action will be taken whatever this means. This abusive debt collection experience has affected my health and caused significant damage to financial and credit account history. My financial and credit accounts at XXXX XXXX have been closed due to significant debts already owed. I am having to support myself and my family and put food on the table. My parents can not afford to buy food and pay their bills. Therefore I am having to help them pay for food and other items. I also owe other lenders and bills so I am trying to pay those and whatever I can. However Covington credit can not establish some sort of payment plan that is affordable. They only provided one instance where they accepted partial payment. If they can do that then something could be arranged to repay the loan taken out in XX/XX/2022.
Consumer complaint received 2024-01-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (TX)

On XXXXXXXX  I applied for the XXXX credit card online. They use Comenity Bank. After I applied and was approved, i never received an email with the card information. I also noticed there was not one hard inquiry on any of my credit reports. Due to not receiving an email showing my account info i did not have the ability to use my new credit card until i receive it in the mail. This costed me my {$15.00} off first purchase first day with XXXX. 

On XXXX i called comenity bank. They stated i should have received the email when i got approved for my card. We confirmed that my email information was correct. I asked for it to be resent. They said they do not have the ability to do so. They said there was nothing they could do but for me to wait up to 10 days for the credit card to be sent in the mail. 

On XXXXXXXX  I called back to cancel the card. At first they said that was not possible until i got the card in the mail. After jumping through some hoops i got them to cancel the card. I have no verification of that though. No email. They said they will send a letter. 

I had a terrible experience with comenity bank. They obviously do not report to the credit bureau in a timely manner, seeing i never saw a hard inquiry. 

Now i am worried what will happen on my credit report! Also. Not knowing my card number means this report will not be sent to comenity! They should not be able to so this to anybody.
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/2023, I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 

I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Consumer complaint received 2024-06-24
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-02-07
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: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX XXXX and XXXX XXXX XXXX XXXX, can not just make an assertion of compliance, but also have provided mandated proof according to the law> Subject : Mandatory Dismissal of XXXX  XXXX for XXXX with XXXX XXXX Notice Requirements I, XXXX XXXX, demand the immediate dismissal of the XXXX XXXX against my property located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, due to the plaintiff 's failure to demonstrate strict compliance with the XXXXday notice requirement as mandated by XXXX XXXX. Legal precedent firmly establishes that " [ P ] XXXX XXXX of XXXX XXXX notice on the borrower or borrowers is a condition precedent to the commencement of a XXXX XXXX, and the plaintiff has the burden of establishing satisfaction of this condition '' ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX [ XXXX ], quoting XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ). 

The statutory requirement that such notice must be sent by registered or certified mail, and also by first-class mail, to the last known address of the borrower, provides a clear means for the plaintiff to demonstrate compliance. This can be achieved through proof of the actual mailings, such as domestic return receipts with attendant signatures, or evidence of a standard office mailing procedure designed to ensure proper addressing and mailing, sworn to by someone with personal knowledge of the procedure. 

The failure of XXXX XXXX and its legal representatives to provide such evidence in the XXXX XXXX against my property highlights a significant procedural deficiency that undermines the validity of the XXXX proceedings. The absence of documented proof of compliance with XXXX XXXX 's notice requirements is not a minor oversight but a substantive failure that necessitates the dismissal of the XXXX XXXX. 

Given the clear legal precedent and the statutory requirements outlined in XXXX XXXX, I expect the immediate cancellation of the XXXX XXXX  sale scheduled for XX/XX/XXXX, and a formal dismissal of the XXXX XXXX. This request is made in the interest of upholding the integrity of the legal process and protecting the rights afforded to me the Consumer homeowner under New York law. 

The seriousness of this matter can not be overstated, and I strongly request CFPB prompt attention to this matter. XXXX XXXX and their attorneys failure to comply not only disregards established legal standards but also perpetuates a grave injustice against my rights as a consumer homeowner. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I DO NOT RECOGNIZE THE NEXT INQUIRIES : XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX CARD DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  XXXX XXXX INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXXXXXX XXXX DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXX XXXX  DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't want to see this anymore in my report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (OH)

XXXX has an incorrect account listing of an account with Affirm on my credit report. 

I attempted to make a purchase using affirm through XXXX. However XXXX  canceled my order immediately after completing checkout. Affirm has never refunded my {$500.00} down payment, nor have they terminated the never existent loan. 

They continue to report to XXXX  a loan that does not exist and refuse to refund my down payment. 


XXXX has been notified of this multiple times by multiple channels. Including a previous complaint utilizing this process, with which they never responded and simply lied, stating they did.

Both companies are in very serious wrong doing and both are abusing this system right in front of your eyes. Take action on them immediately.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request
Consumer complaint received 2023-05-01
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: Self Financial Inc. (TX)

Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-05-01
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: Army and Air Force Exchange Service (TX)

Between XXXX and XXXX of XXXX  ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (GA)

I received a summons for this account without any previous communication from them. In addition on the very same day they filed suit they mailed a settlement letter giving XXXX  days to settle. The letter was back dated but the post mark clearly shows it was mailed the same day as they filed their lawsuit so they had no intention in honoring their settlement offer or allowing the XXXX  days to settle or negotiate.In addition I have tried to contact this so called company on multiple occasions only to be told only XXXX agents are handling this account and the XXXX agents are never available and will return my call but they never do. 
This company is using underhanded tactics and have committed multiple FDCPA violations.i will be asking for the lawsuit to be dismissed and for Arbitration per the terms and conditions of the contract that governs this account.
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

Identify theft Account # XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX I got a call from a collection agency ( tsi transworld systems incorporated ), They gave me the info from who sent me to collections which was ( XXXX XXXX XXXX ) in TX XXXX 

They are trying to collect debt from electric usage. I have never lived in TX, nor have any sort of connections to the state. This is the result of identity theft
Consumer complaint received 2024-05-01
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I sent a letter to all 3 bureaus stating that my address is XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX. I am concerned that personal information is being sent to address 's I do NOT live at. This neglect is troubling.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA (MD)

My name is XXXX XXXX. Phone number XXXX. 
I requested ( Goldman Saks person name XXXX ) apple card collector to not called at this number ( XXXX ) or any other number on XX/XX/year> @ XXXX XXXX XXXX. To put all communication in writing They called me again today at XXXX XXXX XXXX to collect on the account from number XXXX. This is a violation i want to report.
Consumer complaint received 2023-05-01
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: CL Holdings LLC (FL)

I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

XXXX XXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

JEFFERSON CAPITAL SYSTEMS ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.