davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (RI)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and XXXX appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( XXXX  ) 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have accounts that are not correctly reported- XXXX XXXX XXXX ( autoloan ) you have it as I owe a total of {$9900.00} but this account is currently paid-off XXXX XXXX XXXX ( credit card ) you have it at {$4000.00} but its actually {$100.00} left on this account. this is the only credit card i have but yet you have my credit card utilization at 80 % mean while its a XXXX credit card and i owe but XXXX on it. thus intentionally holding down my credit score with wrong information on my credit report. 
- XXXX XXXX you have it as closed with a debt of XXXX meanwhile this account is currently paid-off. so all these incorrection information you using it to give me a low credit score. my accounts are all currently and most paid-off but yet you keep dropping my credit score which doesn't make sense to me.

Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that I f your fast to report accounts on peoples credit information you should be fast as well to update them. 
I will take legal action if i check next time and you have inconsistency with your reports on my account
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I have sent out multiple letters and complaints to all 3 credit bureaus, XXXX, XXXX, and Experian. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.
Consumer complaint received 2023-10-24
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. (MD)

Pursuant 15 USC 1681s-2 ( a ) ( 1 ), Trans Union continues to report inaccurate information on my consumer report in regard to an XXXX XXXX XXXX  account. This debt has been disputed multiple times without Validation provided by wet ink signature and Trans Union will not remove this account. XXXX XXXX has closed the account since dispute but the balance on still reads {$1200.00}. I want this account removed immediately as its nature is derogatory and contributing to adverse actions when I apply for other credit. Furthermore, Pursuant 15 USC 1681 ( b ) ( 2 ), Trans Union has never received authorization or written consent from I, the Consumer to furnish this negative account and whatever information they've shared without consent.

Pursuant 15 USC 1681 ( o ), the willful noncompliance and negligence is a major violations of my consumer rights ; as prolonged action on the Trans Union 's end has halted my ability to take advantage of better rates on loans and a mortgage to shelter my Family.

Furthermore. Pursuant 15USC 1681 Section 602 clearly states that Consumers have right to privacy and Pursuant 15USC 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Trans Union continues to furnish information on my credit report inaccurately and without consent. They have dishonored requests sent certified mail to correct my consumer report and have not provided proof in inaccuracies.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX & XXXX XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (RI)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, XXXX and Experian, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never XXXX me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. XXXX and Experian appear to be failing to maintain reasonable procedures. Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation
Consumer complaint received 2023-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

I received a text message, from who I thought, was Wells Fargo asking if I authorized a purchase on my bank account. I replied NO, and they said a Wells Fargo Rep would contact me shortly. About an hour later, I received a call that said Wells Fargo XXXX XXXX XXXX ) XXXX so I answered. The guy on the phone stated that we were involved in a fraud, and he would need to freeze our account so more funds wouldn't be taken out. But that we could still access the funds through XXXX. At the time it was very believable since the caller ID stated it was Wells Fargo. He asked that I create a XXXX account and move the money from my savings to the XXXX account. We did 2 transfers of {$500.00} to equal {$1000.00}. That was all I had in my savings account. 

Right after I called my mom and she stated that it was most likely a scam. I immediately called Wells Fargo to report the scam. They did 2 different claims since it was done in 2 transactions of {$500.00}. 

We ended up getting one of the {$500.00} back and it got approved. The other {$500.00} was denied. When asked I just got the run around and they wouldn't explain to me why.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

My father passed, I'm the son and I'm living in the home. I have submitted financials and request for modification with Select port Folio. The mortgage company is unwilling to work with me. I don't want to loose my home to foreclosure. Please help me to modify the mortgage. Please postpone pending property foreclosure sale pending the modification request being processed.
Consumer complaint received 2023-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTECH DIVERSIFIED, INC. (TX)

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have a fraudulent collection from COLLECTECH. removed from my credit record. The account number is XXXX. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX and XXXX have been unwilling to remove it from my credit history. This fraudulent loan is negatively impacting my credit score. This incident occurred as a result of my phone being stolen, which led to identity theft. 

Remove this account from all three reporting credit bureaus : XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2023-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar ( dba Mr. Cooper ) has started an illegal foreclosure against my house, which is my primary residence where I live with my wife and children. Here is what happened : On XX/XX/XXXX, I received a letter from Nationstar stating that I had been approved for a loan modification. Shortly after, I received a packet from Nationstar with the loan modification documents. I signed the documents on XX/XX/XXXX, and soon thereafter returned them to Nationstar. 

On XX/XX/XXXX, I received a letter from Nationstar indicating that the documents I signed had errors on the dates. The letter further stated that Nationstar was going to send a mobile notary to help me sign the documents. 

On XX/XX/XXXX, I met with the mobile notary sent by Nationstar ( XXXX XXXX XXXX XXXX XXXX and signed the documents she presented to me. The mobile notary took the documents and returned them to Nationstar. 

In XX/XX/XXXX, I was contacted by the mobile notary XXXX XXXX, and she indicated that Nationstar wanted me to re-sign the documents. On XX/XX/XXXX, I met again with the mobile notary sent by Nationstar and signed the documents she presented to me. The mobile notary took the documents and returned them to Nationstar. 

I made six ( 6 ) payments under the new terms from XXXX to XX/XX/XXXX. In XX/XX/XXXX, the company blocked the portion of the website that allowed me to make payments. 

The company has now filed a Notice of Default dated XX/XX/XXXX. 

To stop the foreclosure, the company wants me to sign a different modification, with higher monthly payments. I told them we already agreed to the terms and there is no legal justification for them to reject the loan modification documents that have already been signed and notarized. 

The filing of the Notice of Default has damaged my credit score, and the lowered credit score is having further damage to my business, including higher prices for insurance, higher cost for operating bond, and higher interest on business credit cards.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (GA)

To whom this may concern, I sent a letter to Experian, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, copy of my FTC report and Drivers License is attached for proof of identity.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the FCRA XXXX XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2024-03-14
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. (VA)

Its XXXX things on my credit report that needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX These things have brought my credit score down. I need them removed asap.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (AL)

Dear Sir or Madam : This is regarding my American Express XXXX XXXX card. I purchased an XXXX TV XXXX for my mother in XXXX and paid on XXXX via XXXX, which was charged to said Amex credit card. The total was XXXX USD. The package in XXXX never arrived and the tracking of the shipping company XXXX shows that it was sent to the wrong address ( a parcel locker or XXXX XXXX XXXX. I must have been scammed by the private XXXX seller. American Express reviewed the case 3 times (! ) and concluded each time that I must have received the item because XXXX tracking said " delivered '' although it showed the wrong address every time. The American Express dispute ID is " XXXX ''. 
I would like to file a complaint now because American Express is not protecting me as a consumer during my online purchases even when the seller/vendor is shipping items to the wrong address ( on purpose ). 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-19
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. (GA)

To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, copy of my FTC report and Drivers License is attached for proof of identity.
Consumer complaint received 2023-10-24
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. (MA)

I am writing to file a formal complaint against Experian regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report, and to this date, they have not responded. I am requesting that Experian correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor 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 {$20000.00} Please remove it from my credit report.
Consumer complaint received 2024-09-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.