davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am reaching out regarding the recent investigation findings. I disagree with the conclusions and insist on complete accuracy. I am dissatisfied with the effort made to contact the creditors/agencies responsible for the reported information on my file. Therefore, I am requesting additional details regarding the specific account in question : XXXX XXXX XXXX Balance : {$4600.00}. As previously mentioned, pursuant to the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I am formally requesting a reinvestigation and correction of the account. Please provide me with the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from the date of receipt of this correspondence, as stipulated in 15 U.S.C. Section 1681i ( 5 ) ( A ), to fulfill these obligations unless alternative arrangements are communicated to me. Failure to verify within this timeframe constitutes non-verification, necessitating the prompt correction of the account in accordance with Section 1681i ( a ). As per 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me upon the completion of the update. After resolving this matter, kindly send an updated copy of my credit report to the address provided.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Previous disputed items from the following case numbers reappeared after being removed for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please see the attachments for your review. The following items that reappeared after being removed showed more than XXXX name, more than XXXX address, old accounts over XXXX XXXX XXXX, accounts that do not belong to me, and accounts that have been disputed. Transunion agreed to remove the disputed accounts but months later reappeared. I'm reporting the inaccuracies and requesting they be permanently deleted from my credit report, ASAP, ( AS SOON AS POSSIBLE ). And not allow these inaccuracies to never reappear again on my credit file months later, XXXX. 

This Account Is Involved In Litigation.

I Have Not Supplied Proof Under The Doctrine Of Estoppel By XXXX Silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I Presume That Alleged Debt, NOR Therefore Any Such Debt, In Fact Therefore Exists Pursuant To 18 USC 8, L Owe No Debt, This Company Is Violating My Consumer Right To Privacy Pursuant To 15 USC 1681- B2 Company Has No Permission To Report My Information Per 15 USC 16814.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants Acceptance Corp (CA)

I do not have a contract with MERCHANTS ACCEPTANCE # XXXX and do not owe this debt collector the stated { {$4500.00} } as alleged. Unless they can provide me with a WET INK SIGNED contract between myself ( XXXX XXXX ) and MERCHANTS ACCEPTANCE I demand this false reporting stop and the account be removed immediately. The original creditor, has charged off this This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor and also request that an inquiry be made to the third-party debt collector, MERCHANTS ACCEPTANCE for actual verification and validation affirming that they have a contract with me bearing my signature. MERCHANTS ACCEPTANCE in accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately. This is a formal notice to cease and desist reporting or attempting to collect this alleged debt. I was a victim of the XXXX data breach also.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 36 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent TransUnion data breach and may have gotten compromised.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX and XXXX - XXXX both of these are collection accounts and I have not entered into an agreement with this company and is not the original creditor. Per 15 USC 1692 ( g ) or 15 USC 1681C-2 Attempted to request removal directly XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PMR Progressive, LLC (NY)

They keep mailing me now for months and months saying I owe a debt which I do not. They call my cell phone AT LEAST 6 times per day. I have reached out to them via email and told them FOUR TIMES this debt does not belong to me but they continue to harass me. Today, they called my work, I told them to stop calling me, got a manager on the phone who proceeded to argue with me AFTER I told him to stop calling. I emailed them again immediately after the call and told them that I will be retaining a lawyer for abuse, fraud and harassment. The company is XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Previous disputed items from the following case numbers reappeared after being removed for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please see the attachments for your review. The following items that reappeared after being removed showed more than XXXX name, more than XXXX address, old accounts over XXXX XXXX XXXX, accounts that do not belong to me, and accounts that have been disputed. XXXX agreed to remove the disputed accounts but months later reappeared. I'm reporting the inaccuracies and requesting they be permanently deleted from my credit report, ASAP, ( AS SOON AS POSSIBLE ). And not allow these inaccuracies to never reappear again on my credit file months later, AGAIN. 

This Account Is Involved In XXXX. 
I Have Not Supplied Proof Under The Doctrine Of Estoppel By XXXX Silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I Presume That Alleged Debt, NOR Therefore Any Such Debt, In Fact Therefore Exists Pursuant To 18 USC 8, L Owe No Debt, This Company Is Violating My Consumer Right To Privacy Pursuant To 15 USC 1681- B2 Company Has No Permission To Report My Information Per 15 USC 16814.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MN)

I had a buy now pay later loan with affirm I lost job couldnt pay the account went to collections. I paid the collection amount in full and still as of XXXX it shows on credit report I owe even tho I have contacted affirm and the collections company with documentation proving collection was paid they will not update reports l
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (KS)

So I got notified that there is a closed account with Wells Fargo, that was opened in my name. I HAVE NEVER HAD WELLS FARGO EVER IN MY LIFE!!!! But yet they are trying to say I had an account, that is now closed, and has an outstanding balance? Ive reported to these people years ago that I didnt open this fraudulent account, but they refused to close it. I had all my information stolen from me twice in the past 5-7 years, which included my wallet, which had my SSN Card along with all my other stuff, while also my phone was apart of that as well.! Ive seen the numerous reviews of the same things happening to other people, but you never know for sure until its at your doorstep. They said the account ended in XXXX I guessand said over {$1200.00} was owed??? Like cmonjust know that this is in fact the course of action, my attorney has advised me to take, which is give them one final chance to rectify this situation, by deleting this fraudulent account and debt, by asking them on a public, government-run, forum so that the message is verified as being legit, and that if they dont comply, then litigation will commence, and that they will be sued to the fullest extent of the law allowed.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/year> I went into my BMO branch bank to cash my check, I was advised by the bank teller that the check couldnt be cashed today but funds would be available on the XXXX, so I proceeded with the deposit process, the next day my funds didnt transfer to my account, so I waited until XX/XX/year> still no funds, so I called and thats when they told me that my check was held up by the fraud department and wont be available until the XXXX  business day, I asked for a reason for the fraud dept. hold and they said it was CONFIDENTIAL, so today is XX/XX/year> I checked my account again its the XXXX business day, thats whats stated on the letter BMO sent me days after the fact, so I called them and now theyre saying funds will be available either on XX/XX/year> or possibly XX/XX/year> due to processing which is not noted in the letter, I have rent and bills that I need to pay and I am accumulating late fees because of this, theres absolutely nothing fraudulent with my check it a legitimate check so my BMO couldnt just confirm that it was in good standings by simply making a phone call.
Consumer complaint received 2024-09-04
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. (VI)

A few years ago I was a victim of identity theft and a fraud alert was placed on my consumer report. Someone I know told me that they came in contact with someone that created a XXXX XXXX XXXX and was able to purchase over XXXX credit files which includes people personal information that they will use for identity fraud. I believe that there is a law that speaks on any unauthorized use of your personal information by any one which includes data furnishers, without your written consent is constitutes as Identity Thef. On XXXX XXXX XXXX  correspondence was sent to these companies as it relates to them not furnishing, selling or sharing any information that they obtain on me with no Banks, XXXX XXXXXXXX XXXX XXXX or other XXXX XXXX without my written consent. I was not satisfied with the non-response from these companies.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridge IT, Inc. (IL)

I signed up to build credit with " Brigit Credit builder '' requiring {$5.00} per month for a total of 24 months. 7 months later XX/XX/year> they inaccurately added a missed/late payment when I have paid on time direct debit from my account. In most cases I even paid early but I never missed a payment. I contacted Brigit via email and got an automated response from the robot. Stating my obligations to pay on time and develop responsible payment history and their obligations to report. I have proof that I paid on time and I'm asking that this missed payment be removed from my credit report immediately Hopefully without getting a lawyer involved. In addition to this I also saw a late payment from over 7 years ago that I am asking be removed as well as I don't recognize or recall what is was for and because it's older than 7 years. Brigit was unclear that I would be trapped into this program after signing up especially because they have done more damage to my credit report than good and I wish to cancel. However they are requiring me to pay off my fictitious loan that I never received off in order for them to cancel.. I have never received a loan from Brigit in exchange for building credit. It's a monthly billing service that charges me {$5.00} per month in exchange that they report accurately on my credit report which they haven't and after disputing this this still refuse to accept that it's some sort of computer error.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

1.Equifax is illegally trying to change my name by attaching a " XXXX  '' after last name. 
2. My legal name is XXXX XXXX and recently started getting prescreened credit offers for XXXX XXXX XXXX. 
3.Traced issue back to Equifax and contacted Equifax by phone XX/XX/24, Equifax verified XXXX XXXX XXXX is on my account. 
4. At some point in time Equifax has CHANGED MY NAME on credit report by '' illegally adding " XXXX '' without authorization to my credit report 5. Equifax refused to tell me WHEN they made this ILLEGAL UNAUTHORIZED change. 
6.EQUIFAX REFUSES TO PUT MY LEGAL INFORMATION BACK on report EQUIFAX without HARASSMENT AND UNNESSARY EFFORT from me by requesting a copy of social security and photo ID. 
7. EQUIFAX PLACED " XXXX '' ON MY REPORT WITHOUT MY CONSENT, WITHOUT MY PHOTO ID, WITHOUT MY SOCIAL SECURITY CARD SO WHY DO I NEED TO BE TROUBLED TO PROVIDE THIS TO CORRECT MY INFORMATION TO THE WAY IT HAS ALWAYS BEEN. 
8. I NEED THIS CORRECTED AND EQUIFAX HELD ACCOUNTABLE FOR DOING THIS AND MAKE SURE AS AN AGENCY THEY NEVER DO IT AGAIN TO ME OR ANYONE ELSE.

I WILL SUE THEM AND YOU UNLESS FIXED IMMEDIATELY AND EVEN THEN I NEED COMPENSATION FOR THIS,
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Dear XXXX CFPB ENFORCEMENT Since XXXX I paid on time the XXXX XXXX XXXX account XXXX fully paid in installment basis in XXXX XXXX XXXX did not reported my XXXX montly payment to three credit bureaus- they said to these XXXX. institutions that they will fix it it ask of these day it was not reported, the one they reported is the XXXX XXXX XXXX XXXXXXXX where XXXX asked me for {$3500.00} down payment in XXXX they said that my credit score was XXXX? cause and my 36 months lease in XXXXXXXX XXXX XXXXXXXX account XXXX is not reported in there credit report and the Equifax XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldridge Pite, LLP (GA)

Please note We have EXTENSIVE MORTGAGE FRAUD AND IDENTITY THEFT. Real Property XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was stolen from us on yesterday THROUGH XXXX XXXX SUPERIOR COURT. The MAGISTRATE JUDGE XXXX XXXX XXXX was the PRESIDING JUDGE IN THE SUPERIOR COURT who ruled for ALL DEFENDANTS INCLUDING STRAWBUYERS WHO FRAUDULUENTLY PURCHASED THE HOME THROUGH ALDRIDGE PITE LLP. The names of the STRAWBUYERS ARE XXXX XXXX AND XXXX XXXX. 
THE MAGISTRATE JUDGE PRESIDED OVER BOTH CIVIL ACTIONS ON THE SAME DAY AND TIME XX/XX/XXXX AT XXXX. THE JUDGE COMMMITTED FRAUD AND APPEARED TO HAVE BEEN PAID OFF BY XXXXXXXX XXXX  TO ENSURE THE REFERNCE PROPERTY WAS BACK INTO THEIR POSSESSION. IRONICALLY, THE SUPERIOR COURT JUDGE WHICH OUR CASE IS ASSIGNED TO IS XXXX XXXX. CASE NUMBER XXXX AND CASE NUMBER XXXX WITHIN THE SUPERIOR COURT OF XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
ENTITIES AND INDIVIDUALS INVOLVED : XXXX XXXX XXXX, MAGISTRATE JUDGE OF XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX REPRESENTED BY XXXX XXXX AND XXXX XXXX XXXXXXXX XXXX REPRESENTED BY XXXX XXXX WITH XXXX AND XXXX XXXX XXXX WITH ALDRIDGE PITE LLP REPRESENTING ALDRIDGE PITE LLP XXXX XXXX REPRESENTING XXXXXXXX XXXX XXXXXXXX REPRESENTING XXXX XXXX XXXX XXXXXXXX SOME OF THE ABOVE PARTIES AND MORE WERE INVOLVED IN THE THEFT OF ALL RESIDENTIAL PROPERTIES AND COMMERCIAL PROPERTIES AND WERE AWARE OF FRAUD ON ALL PROPERTIES BY OTHERS. 

THE ABOVE INDIVIDUALS HAVE ILLEGALLY ENGAGED IN REAL ESTATE THEFT, FRAUD AND FORGERY. THE PRESIDING JUDGE ALLOWED XXXX XXXX XXXX TO PROVIDE A HANDWRITTEN RECEIPT AS PROOF OF PURCHASE FOR THE PROPERTY. 

ALDRIDGE PITE LLP WAS NOT REQUIRED TO VALIDATE THE DEBT OF THE ABOVE PROPERTY NOR PRODUCE THE ORIGINAL COPIES OF ALL DOCUMENTS WE SUPPOSEFULLY HAD SIGNED. WE HAVE REQUESTED THESE DOCUMENT PRIOR TO XXXX OF XXXX. 

THE JUDGE STATED ALTHOUGH THE WARRANTLY DEED HAD ANOTHER COUNTY, XXXX, WHICH WAS THE INCORRECT COUNTY LISTED AT THE TOP OF THE DEED AND THE HOME RESIDED IN XXXX, HE STATED IT WAS LEGAL BECAUSE WITHIN THE BODY OF THE DOCUMENT IT MENTIONED XXXX XXXX. 

HE ALSO ALLOWED ALDRIDGE PITE TO STATE THEY WERE NOT SERVE PROPERLY WHICH IS A LIE AND ALLOWED THIS TO BE THE BASE FOR DISMISSAL BASICALLY FOR ALL OF THOSE INVOLVED IN THIS FRADULUENT PROCESS.
Consumer complaint received 2024-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

Originally I owed XXXX XXXX XXXX for {$13000.00} fora loan they gave me in XXXX. I did go delinquent in XXXX and eventually my account was sent to collections with Radius Global. I contacted them in XX/XX/XXXX, when I was offered a settlement of {$3200.00}. As I was in the process of purchasing a home, the mortgage company required that I settle the account. The money was provided to my mortgage company who paid the balance and cleared the debt. I followed up with Radius Global on several occasions from XXXX XXXX and have spoken to several agents from XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, and a supposed manger named XXXX, who assured me the account was settled and that they would send me a letter to prove I paid the amount to provide the original creditor and the credit bureaus, but that never happened.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THIS IS NOT A DUPLICATE!!! Additional information has been provided!!!! I have requested to have an inquiry removed from Transunion. They are trying to educate me on how long inquiries remain on an account, I dont need education on inquiries, I need the inquiry removed. XXXX XXXX has informed them per letter, I have informed them, XXXX has requested the removal and Transunion is still not complying. This is an application I didnt request per the letter on the investigation shows this and they are adamant about leaving this inquiry on my credit report. Why? They took the unauthorized card information off, why leave the inquiry. It makes no sense enclosed is the letter from synchrony.
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank is a disaster in many ways. I wanted to buy a condo, and submitted that request to Chase and 3 other institutes for loans. When I received a better deal than Chase offered, I did not continue with them and made it clear that I received a better deal. After all the paperwork and promises, they had the nerve to send me a letter stating they are turning down my request for a mortgage! I turned them down, they didn't turn me down, and they can't make it appear that they did so, as I was accepted elsewhere, my credit is excellent and I have a 100 % quick payment of bills record. 

I don't want their letter on an record of mine, and the fact that they sent it is fraudulent, along with the fact that I turned them down. This has been going on since XXXX of this year, and I just received their refusal letter. Thank you. 

XXXX XXXX
Consumer complaint received 2023-09-16
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. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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 reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.