davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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. (NY)

Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , N.Y. XXXX SSN XXXX XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am demanding that you remove the following accounts from my credit report immediately since you are in violation of FCRA 15 U.S. Code 1601 and FCRA 15 U.S. Code 1681 section 602. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Also, XXXX account is showing that I was 120 days late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How is that possible? 

REMOVE IMMEDIATELY or face a {$1000.00} fine for each account. 

Please send me a new updated credit report in 30 days to the mailing address listed above. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (TX)

Twice in several weeks I have received letters describing a breach of my personal information one from XXXXXXXX XXXX XXXX  and another From XXXX. Both companies provided credit monitoring through Experian Credit Reporting Bureau. When I signed up for credit monitoring I was appalled at what Experian made me agree to to get the monitoring. The Experian Privacy Policy and Terms of Service force one to accept an arbitration policy with no choice for opting out. If one does not click " Accept '' during the application one can not get credit monitoring from Experian. It gets worse. Experian Privacy policy states that they will inform me ( a sales pitch ) of their and their business partners products, services and promotions. Further, Experian 's privacy policy states that they will share ( meaning sell ) my personal information from my credit report with company 's they have partnered with and even non-affiliated 3rd parties. Experian states that a consumer can go to their website, or call or mail them to opt out. Why should anyone who has had their personal information hacked by no fault of their own is forced to opt out of Experian sharing and selling their personal information. Experian 's Terms are 36 pages long. Those terms state that ones consent to text messages marketing is required to be able to get their credit monitoring services. That violates FCC rules on consent. This is unacceptable and grossly unfair. People who from no action of their own have their personal information stolen must agree to unacceptable terms to have their account monitored. Experian is clearly taking advantage of those that have no other alternative. A fair to consumers credit monitoring system needs to be imposed on Experian. Please make it so. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (CA)

I am sending this complaint to contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation. 

The following inquiries are incorrect : XXXX XXXX XXXX, 2023 and XXXX XXXX XXXX XXXX XXXX XXXX 2023. 


I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 

I respectfully request that you conduct a thorough investigation into these unauthorized inquiries and take all necessary measures to remove them from my credit report. 
Additionally, I request written confirmation once these inquiries have been successfully removed. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution to this issue.
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I owe a debt to XXXX XXXX. They turned the debt over to Portfolio Recovery Assoc Portfolio who continues to hound me at least weekly, at times more than once during the week They are having people call me from different numbers! Both myself and " XXXX  " on my phone continue to block these calls, yet they keep calling from other phone numbers. I have got very angry when I have answered and told the people to quit calling me, I have no extra money, and threatened to report this company. They are relentless and don't stop even after threatening to turn their company in. 

I have read blogs that other consumers are being continually harassed with Portfolio and company is using different people with different numbers as well.
Consumer complaint received 2024-05-14
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: Specialized Loan Servicing Holdings LLC (WI)

XXXX sold loan to Specialized Loan Service back in XX/XX/XXXX. Payments were set up to be transferred from our bank to them. Beginning XX/XX/XXXX, they took the automatic payments and then returned them to the bank without reason ( I have all confirmation numbers from the bank. ) I did not request this change and was not notified that a change had been made by Specialized loan servicing. There were funds in the account. I started sending paper checks but they were not applied. I can prove I made XXXX payments-but only XXXX look like they were reported to the credit bureau XXXX I forwarded proof to Specialized Loan Service-but they never corrected. They have sent " history '' but there are up to XXXX different entries on any XXXX payment and none of it makes any sense. Then it got legal. I sent letters to XXXX different branches of the same law firm-but nothing was fixed. Then they started returning my payments saying they were not enough. When the balance was transferred from XXXX to Specialized loan, the balance was {$78000.00} with excess in escrow of {$300000.00} according to XXXX 's closing statement dated XX/XX/XXXX. My first statement from Specialized Loan indicated that out of each monthly payment, {$360.00} would go to principal, {$400.00} would go to interest and {$39.00} would go to escrow. I have made payments in the amount of {$28000.00} and they claim I owe over {$36000.00} to bring the account current. I have sent letters ( with tracking numbers to prove receipt ). They also say we " borrowed '' $ XXXX but they have ignored my requests to see this additional paperwork. I can provide copies of all the documents, payments, correspondence. It simply makes no sense and now they are planning on selling my house to highest bidder on XX/XX/XXXX. I have tried over and over, even offering to send a large certified check to cover the payments THEY rejected. I am simply beside myself. Can you please stop the sale. The numbers simply don't add up. Please help me. Thank You.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I am unaware of any det with Jefferson Capital LLC, I'm in no signed contract with this company and I did not have an opportunity to dispute this information. In fact, if Jefferson Capital believes they gave me proper notification please send me a certified receipt with my signature of receipt. This is a violation of the FCRA and this needs to be removed from my credit report immediately.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Unpaid Balance {$830.00} ; XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-01-09
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. (PR)

XXXX XXXX  ( bank ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC (CA)

XXXX XXXX XXXX Bank and Zelle Banking XXXX 's Checking Acct. Ending in XXXX Date From To Amount Reference num. Notes XX/XX/scrub>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 received fund, she lives in MN. Scam/Fraud Called XXXX XXXX to XXXX she return fund of {$XXXX} she laughted and said no then hung up on me!!!!!!!!!!!!! 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX XXXX  to fill a claim against XXXX XXXX for scamming me oXXXX. XXXX XXXX  thats when I got the Claim number. XXXX said because of the XXXX we need to wait until XXXX to see if it is rejected by XXXX because of the claim. 
XX/XX/year> XXXX XXXX Claims XXXX Spoke with XXXX from the Claims Dept, Per XXXX the {$XXXX} went through. 
XX/XX/year> XXXX XXXX  XXXX XXXX then gave me the Zelle  XXXX # XXXX. I called Zelle, XXXX XXXX XXXX XXXX not help. She said go back to XXXX Bank and ask for the Zelle  support XXXX. well I was informed by XXXX  that their is NOT A XXXX  ZELLE  SUPPORT DEPT. 
XX/XX/year> XXXX XXXX  XXXX XXXX Received a Denial letter no adjustments will be made XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX @ XXXX re : reopening claim # XXXX Stated I need to speak with XXXX ( Supervisor ) XXXX transferred the call to XXXX. 
XX/XX/year> XXXX Bank XXXX XXXX ( XXXX ) XXXX S/W XXXX @ XXXX, Per XXXX ( Supervisor ) Claim was NEVER reopened. XXXX ( XXXX ) Keeps going to the Origin. Claim # XXXX Denial letter dated XX/XX/year>. XXXX ( supervisor ) Told me to call Tech XXXX XX/XX/year> XXXX Bank S/W XXXX XXXX XXXX XXXX, XXXX gave me the steps to get the History of XXXX 's XXXX XX/XX/year> As of XX/XX/year> XXXX Bank keeps blaming Zelle  and Zelle  XXXX XXXX Bank XXXX 

XX/XX/year> XXXX XXXX Today XX/XX/year>, I will be filing a case to the CFPB for FRAUD against XXXX Bank and then for Zelle. 

XXXX Bank complaint XXXX XXXX
Consumer complaint received 2024-06-12
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: EQUIFAX, INC. (NJ)

I asked the credit reporting agency to send a copy of verification of a bankruptcy reporting on my credit report. I asked for the person they spoke with that had first hand knowledge and they did not. I just got a letter saying it was verified.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (VA)

XX/XX/XXXX applied for modification was denied. XX/XX/XXXX, XXXX resubmitted was denied twice. XX/XX/year>. I Spoke to representative over the phone she stated I was submitted for foreclosure on XX/XX/year> and didn't qualify for any other options. I requested for missed payments to be put to the back of the loan or deferral payment plan to be done she said I didn't qualify. I was in foreclosure it was too late. " She stated to give my property back to Mr. Cooper. " If I hadn't called I wouldn't have known I was in foreclosure. No notice No communication until I went online and saw notice I was denied modification. 

I wasn't offered any solutions to prevent foreclosure not by phone, email, or or of any kind of channels. I ask for forbearance plan representative indicated I didn't qualify. She suggested I reach out to someone to help make payment in full to become current was my only option other than foreclosure.. 

I loss wages due to medical condition out of work since XX/XX/year> and returned to work on XX/XX/XXXXXXXX XXXX. I applied for Mortgage assistance XX/XX/year> awaited until XX/XX/year> denied due to state funds ran out and program was closed. This put me behind in my mortgage for 4- months missed payments.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (FL)

Cavalry SVP I LLC served me with papers of a law suit involving a debt from XXXX XXXX XX/XX/XXXX. I have been requesting statements, and proof of this credit card application etc since then. On XX/XX/XXXX we had a mediation hearing where the attorney said that he would email statements, payments and other details. I have sent 4 emails in just the last week since the mediation and nothing has been sent. I have not been XXXX XXXX in 16 years and yet they claim I opened an account in XXXX with this name which would be fraud. All of my XXXX  records show that I use me bank card and a XXXX XXXX on occasion for payments. I have not received any evidence, or documentation that they claim in over a year.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX  Balance : {$5400.00} XXXX XXXX XXXX  Balance : {$58000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$5300.00}
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

My insurance company - XXXX - paid off the balance of my auto loan : {$2700.00} on XX/XX/year> But as of XX/XX/year> ( today ) toyota financial still shows this auto loan as an open account with the balance of {$2700.00} remaining. 

This is damaging my credit report!! I am showing not only my old auto loan but my new one as well, which has caused a credit problem for me. 

There is no excuse for them delaying the payoff of my account, and I request that the account be closed immediately. 

I was unable to reach Toyota financial services directly about this, getting stuck on infinite hold and then being disconnected. It took several hours of hold time and finally the help of a rep from XXXX to actually reach a representative, who would only confirm that the check had been received on XX/XX/year>, but that Toyota had not cashed it yet. There was no explanation as to why Toyota had not cashed the check or applied the funds, and I believe this is fraud on the part of Toyota Financial Services.
Consumer complaint received 2024-04-29
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)

PLEASE BLOCK AND REMOVE I urgently seek the removal of the unauthorized inquiries from my credit report, as they were not initiated by me and are causing substantial XXXX. These accounts were not authorized or initiated by me, and it is unjust for me to be held accountable. I implore you to promptly rectify this matter.
Consumer complaint received 2023-08-05
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: EQUIFAX, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-09-18
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: Mercedes Benz Financial Services (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXXXXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.