davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (CA)

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Disputed Bill and Credit Damage Dear CFPB, I am writing to bring to your attention a serious issue related to an outstanding bill that has been inaccurately associated with my name. The bill in question, totaling {$XXXX}, does not belong to me, yet it continues to negatively impact my personal credit and various aspects of my life. 
Here are the key details : Erroneous Bill : I have never incurred any debt or financial obligation amounting to {$XXXX}. The display of this bill on my credit report is both unjust and damaging. 
FTC Report : I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter. Despite my efforts, the bill remains unresolved and continues to tarnish my credit history. 
FCRA Violations : The collection company, Central Portfolio Control, is violating several provisions of the Fair Credit Reporting Act ( FCRA ). These violations include : Accuracy : The bills inclusion on my credit report is inaccurate and misleading. 
Verification : I have requested verification of the debt, but the collection company has failed to provide adequate proof of its validity.

Harassment : Central Portfolio Controls relentless pursuit of payment, despite my dispute, amounts to harassment and violates my rights under the FCRA. 
Extortion : The collection companys actions border on extortion. They are attempting to coerce me into paying a debt that I do not owe, causing undue stress and financial hardship. 
I kindly request that the CFPB investigate this matter promptly. I seek the following remedies : Immediate Removal : The erroneous bill should be promptly removed from my credit report.

Corrective Action : Central Portfolio Control must cease all collection efforts related to this debt. 
Penalties : The collection company should face appropriate penalties for violating FCRA regulations. 
I appreciate your attention to this urgent matter. Please find attached relevant documentation, including my FTC report and correspondence with Central Portfolio Control. 
Thank you for your commitment to consumer protection. I trust that the CFPB will take swift action to rectify this situation
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (OK)

National Credit Adjust placed a collection on my account. I requested proof that this account is mine via XXXX XXXX mail, and they received this request on XX/XX/2023. I have a signature card from the XXXX. Postal Service showing that they received the request. 
They failed to respond at all and have provided no validation of this debt. After 30 days with no response, I sent proof of this request to all XXXX credit bureaus : XXXX, XXXX and XXXX. I sent these credit bureaus copies of the letter sent, postal receipts, tracking information, and signature cards showing that this debt collector received my letter. 
Despite the fact that I sent proof that I reached out to this debt collector, the credit bureaus refuse to remove the collection from my reports. They claim that National Credit XXXX has sent them validation of the debt, and even though NCA won't send anything to me, they won't remove the collection account from my report. 
When the credit bureaus notified me that they wouldn't remove the collection from my reports, I called this collection agency asking for proof of the debt. They acknowledged that they received my initial request for validation on XX/XX/2023. They also falsely claimed that they have 90 days to respond to my request under the FCRA. They only have 30 days, but regardless, it has already been 90 days and they still haven't responded. 
During the phone conversation with their representative, I once again requested that they send me proof that this debt is mine. Still, they have sent nothing. 
Under the FCRA any company that places a collection on my report has to provide proof that the debt is mine within 30 days after I request that information. If they don't, the credit bureaus have to remove that information from my report. The credit bureaus have refused to do so despite my attempts to obtain validation. 
Please assist with the removal of this account from my credit report. I have acted in good faith trying to obtain validation of the debt, and it is not only unfair that only the credit bureaus have been given this so-called proof, but it is also financially damaging to me.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-01-22
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. (TX)

Trans Union is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness and causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account. Trans Union is currently reporting the same defamatory account twice on my consumer report by two different companies. XXXX XXXX and XXXX XXXX XXXX. 

Please be advised that the original consumer credit transaction was based on an uninformed decision, and fraud by the alleged original creditor and unauthorized use. Your failure to cease and desist from reporting these defamatory accounts will evidence your collusion with these two companies in infringing on my right to privacy, defamation to my character and credit worthiness, and multiple violations of federal law by furnishing, and reporting unverified, fraudulent, and negative account information on my consumer file and consumer report without my express written consent.
Consumer complaint received 2024-03-22
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. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mullooly Jeffrey Rooney & Flynn (NJ)

Today XXXX  I sent payment to the company by U. S P.S. mail. Please see attached. 


If the package is not received the debt collection agency should should collect the payment electronically. Copy of documents attached.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (UT)

Jefferson capital I have attached my police report as this alleged debt was removed from my name from XXXX years ago. XXXX received the police report and my fraud claim several years ago and approved the fraud claim and the debt was removed from my name. Immediate removal of all credit reporting is needed promptly.
Consumer complaint received 2023-05-12
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. (NC)

I am filing a complaint against Equifax and XXXX XXXX XXXX XXXX. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with Equifax, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, Equifax has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. 

I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. 

Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. 

Please let me know if you have any questions. 

Highest Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have been trying to resolve this issue since XXXX What has occurred here as previously stating in submission is fraud upon a XXXX never married senior citizen has been caught is a scheme by a predatory and the lender and their failures to me as the consumer were and are despicable, and they should be held accountable. 

As the consumer and their neglect to the agreed contractual terms plus more than XXXX years to abide by agreed terms is unreasonable. 

Bank of America assigned a property to themselves attaching my original mortgage claiming I borrowed {$76000.00} dollars on XX/XX/XXXX and that is not true and can be proven. 

Then Bank of America sold in a Pool Servicing Agreement bundled unsure of what series gave XXXX Master Participation a property they did not own and that should be considered criminal. 

XXXX was violated RESPA was violated I have requested on numerous occasions the following : Qualified Written Request ( QWR ) which has never been provided a MERS  milestone report and Every dated transfer including when XXXX XXXX gave them ownership to transfer to another investor I also want to know the investors Ie : XXXX ( what is the full name and when they became the investor and all others and I want to know the securities series XXXX under which Bank of America sold to XXXX XXXX  XXXX  with as servicer XXXX  especially when Bank of America had nothing to sell to them XXXX XXXX  XXXX XXXX for XXXX XXXX XXXX XXXX 

Nonetheless this Ponzi Scheme needs to be halted and there must be some agency that can help me. I have hit XXXX brick wall after another, spoke with many XXXX and decided to hire an Attorney to find out what the another hired Attorney was doing which none of XXXX have anything to clean up the now clouded title by these predators to unjustly enrich themselves with false affidavits to line their pockets. 

I guess they figure if the banks and servicers can profiteer so should the Attorney foreclosure mill and XXXX appointed by the court. 

Moreover, I thought you had to be over XXXX to write an affidavit for it to be a legal document. Bank of America created this catastrophe and my mission is to stop the thievery, I did not do this they did it to me and legal action is more than required they have stolen my home with judicial assistance. 

I am a consumer and I should have rights that are adhered to please secure the requested documents mentioned above and direct me further. 

Bank of America account # XXXX XXXX XXXX # XXXX Action is required the judicial is against consumers and please demand that the information requested is provided actually someone should be sued because these are illegal actions against the consumer and it appears as a consumer I do not have any rights when I paid for services that were violated upon the agreed terms and they have now triple billed me.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/23, I received a letter from Synchrony Bank dated XX/XX/23. They stated that my account has been closed for " The number of dishorned payments on this account. '' I have autopay setup and never was told that payment has not gone through. Reviewing my account I do not see a missed payment. This closure will adversely impact my credit.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I was the victim of a crypto scam. The criminals posed themselves as investors and had me transfer money to XXXX. My intention was to transfer it back but it was stolen. This caused the business that I am a co-founder of go into the negative. Chase bank closed this account and I had no idea. They transferred XXXX of my personal funds into the business account after it closed without my authorization. I called chase bank to ask them to take off overdraft protection but they still allowed the account to be overdrawn. I had money in all of my personal accounts. On XX/XX/XXXX my cards stopped working and I called the bank. They told me that my accounts will be closed and a check mailed within 30 days with my balance and the companies debt would go to collections. All of my money was in chase. I am visiting XXXX and have no access to food, funds shelter etc. I went to a branch on XX/XX/XXXX and asked for money to be withdrawn. I was told that this couldnt happen. I provided the police report and FBI report with the crime I was a victim of. I was also told that my personal funds would be used to cover the debt of the business account and that I would be mailed a check for the remainder. I provided our company structure agreement to show that I am not the sole owner of this business and that I do not consent to my personal funds used to cover the business debt, the business debt needs to be settled separately. A letter from my lawyer has also been sent.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-21
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. (OR)

Equifax is violating my rights under the fcra law by reporting XXXX XXXX  account # XXXX XXXXLast year I filed a complaint with CFPB the answer from Equifax was the solution for me to contact them which I have disputed the account by phone and correspondence and the willfully violating my rights under the law CRA and still wont delete a fraudulent account from my report which I sent them my identity theft report 3 times and the second complaint is that a late payments wont be removed when I have paid XX/XX/2022 XXXX account # XXXX and added proof XXXXXXXX XXXX  Account # XXXX I have paid this also and added proof
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Real Estate Equity Exchange, Inc. d/b/a Unison (NC)

On XX/XX/2019, my husband and I entered into an " Equity Sharing Agreement '' with Unison Investment XXXX XXXX, for a {$40000.00} cash advance, in exchange for 56.4 % of the profit from the sale of our home, over its appraised value, at the time of the agreement - example : value of my home in XXXX  was approximately {$300000.00}, if I sold my home today, approximate sale price would {$420000.00}, Unison would receive the return of their $ XXXX plus 56.4 % of {$120000.00}, = {$110000.00}. 
While we did sign this agreement, we only had a rudimentary understanding of exactly what we were getting into. This became apparent when we tried to re-finance our mortgage. Unison assured us during the process, that refinancing our home would be easy, no problem at all- which turned out to be totally untrue. The refinance wasn't at all similar to any refinance we had ever done in the past. It was a drawn-out affair, where we had to jump through many hoops, lost our first refinance partner, and it was next to impossible to find a refinance company who would be willing to work with Unison. 
My husband and I were contacted by a law firm asking if we would be interested in participating in a class action suit against Unison, as they several families who had the same experience as we did. 
Ultimately the law firm was not able to move forward with the suit because of the arbitration clause in the contract we all signed. It was clearly written in such a way as Unison anticipated this blow back and took measures to protect itself. 
I feel believe strongly that Unison acted in a predatory and manipulative way. Their marketing and salespeople empathized acting quickly, before potential customers could really understand the depth of how bad this deal is for the home owners. I feel like a victim of their greed, taken advantage of, bamboozled, and that Unison operates without transparency or integrity, lacking any true benefit to their customers. 
I would like out of my deal with them. The thought of having to be in an agreement with them for a total of 30-years makes me sick to my stomach. I do owe them the original {$40000.00} and will figure out a way pay them off, to have them out of my life. They are crooks and should not be allowed to operate, with this financial product, anymore and with any other nave people.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cash Link USA, LLC (TX)

XXXX XXXX XXXX. Told the person named XXXX on the phone to stop calling me at work and to call me at my personal number. 
XX/XX/23 - XXXX. He called again after telling him to stop calling me at work. I asked him to stop calling me and he confirmed he would continue to call me. 

Calls from XXXX
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (MI)

I had old accounts in which I didnt have access to those cards, they are long gone. So I couldnt substantiate responsibility for those accounts. Well this company closed my new account, had me certify responsibility, submit Drivers License ( picture ID ) and this has been going on for months with no corrections to my consumer report..