davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (MD)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the following accounts from my file. XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Balance : {$3200.00}
Consumer complaint received 2023-06-16
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$2300.00}.
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (MI)

A mailing correspondence was sent to my ex wifes relative house at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived at this address. I have never done business with this company United Collection Bureau , Inc. nor have i ever given consent or authorization for this alleged debt collector to have any of my personal/private information. I do not have any knowledge of this alleged debt, I dispute the validity of this alleged debt.
Consumer complaint received 2023-06-05
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: TD BANK US HOLDING COMPANY (PA)

NORDSTROM is not under any LAW required to report any of my private consumer transactional information. NORDSTROM HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed NORDSTROM on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that NORDSTROM CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/XXXX  NORDSTROM has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA.NORDSTROM appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. NORDSTROM is in willful noncompliance!
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I received a check from Wells Fargo a while back but I thought it was fake. Now I see they have settled the case against them during the time of me having an account with them that I closed. I believe I am apart of the settlement.
Consumer complaint received 2024-03-08
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. (TN)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.
Consumer complaint received 2021-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After many many times explaining to TransUnion and speaking with the special handling department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

AFFIDAVIT OF TRUTH XX/XX/XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT : XXXX AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action XXXX Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : The Truth in Lending Act is intended to inform consumers about the cost of credit. The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Affiant is aware and has proof in attachment labeled as exhibit A that Midland Credit Management, is in violation of 15 USC 1692. ( D ) ( XXXX ). the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
Addition on XX/XX/XXXX Midland Credit Management stated this account was Cease and Desist.
Consumer complaint received 2023-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

CAPITAL ONE is not under any LAW required to report any of my private consumer transactional information. CAPITAL ONE HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed CAPITAL ONE on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that CAPITAL ONE CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/23 CAPITAL ONE has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. CAPITAL ONE appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. CAPITAL ONE is in willful noncompliance!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries thatappeared on my credit report. Despite my multiple attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-03-08
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. (NV)

Due TO THE NEGLIGENCE OF EXPERIAN, XXXX, AND XXXX ALIKE, FOR SUPPLYING MY PERSONAL INFORMATION TO OVER 78!! 3RD PARTY AFFILIATES, COMPANIES, EMPLOYERS, ALL OF WHICH I THE CONSUMER DID NOT AUTHORIZE, WRITTEN, NON-WRITTEN, VERBAL, NON-VERBAL OR ANYTHING THEREOF! PROTECTION OF NON-PUBLIC PERSONAL INFORMATION WHICH STATES : I DEMND THESE BE REMOVED AS WELL AS COMPENSATED XXXX $ PER INQUIRY AS FOR PRIVACY VIOLATIONS WHICH FALLS UNDER FEDERAL LAW. 

I HAVE BEEN DENIED AND TURNED AWAY FROM PREQUALIFIED SOFT PULLS DUE TO THE IRRESPONSIBLE ACTS BY THESE PRIVATE CORPERATIONS. SO MUCH I ALMOST XXXX XXXX XXXX  BY NOT BEING ABLE TO GET A VEHICHLE DUE TO THESE OUTSTANDING ABOUT OF PERSONAL DATA LEAKED BY THE PRIVATE CORPORATIONS. 


15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Consumer complaint received 2023-06-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Financial Group (NC)

Received the notice on XX/XX/2021. Tried to call the number provided several times, but no one ever answers the phone. 

On XX/XX/2021 overnighted a dispute letter to company, Continued to try to call the number provided several times. No one ever answers Emailed the company and received the following response : Please be advised Mr. *** requested the supportive documents merely 2 hours ago. We represent all 50 states regarding Subrogation claims and this is not a debt. I have requested the documents to be attached to the claim, and when they are, he will indeed receive them. 

Thank you for your patience in this matter. 


However, the letter clearly states that this is an attempt to collect a debt. This is deceptive and illegal debt collection practices and an attempt to collect a debt that was settled ( against the company ) in arbitration.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

There is 3 accounts from a company called XXXX XXXX that was opened from my identity being compromised. I am requesting the 3 accounts be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (PA)

HARD INQUIRY DETAILS XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, US bank XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with them.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-22
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. (FL)

I have submitted multiple disputes and FTC reports regarding these accounts that do not belong to me and they are still reporting on my credit report. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (ME)

CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX We are approaching the 60-day mark on this CFPB complaint.

The original problem caused by FirstBank of Puerto Rico dates back to XX/XX/XXXX. 
Their original {$5000.00} mistake has now accumulated over {$500.00} of interest charges and fees, and, due to them continuing top report this matter to the credit agencies, it has knocked XXXX points off my credit score. 

They have ignored me for more than 6 months and are now ignoring a Federal Agency for 2 months. 

Time to turn up the heat. 
Bring charges against them and I'll hire a lawyer and sue.
Consumer complaint received 2023-06-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

At the time we were offer a loan mortification because we were struggling with high pymt.and they would ask for all information proof of employment at the time which I comply with all the information they needed to supposably be able to help me out and they wouldnt accept any kind of pymts from me .and after they ( American Servicing Comp.Morgage who was financed by Wells Fargo after almost a year they told me they couldnt help me and that I only had 90dauys to come up with the amount of XXXX which I wasnt able to have Me, Wife & XXXX children end up loosing our our home after all our effort we made to have our living home.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc. (FL)

I just opened my credit report and I saw I got a collection for {$11000.00} from credit collection bureau I have no idea where that collection came from because I know I dont owe anyone that much money and it tells me the original creditor name is credit collection bureau
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

XX/XX/year> {$170.00} was sent via moneygram to the recipient who was told that the moneygram website was down and the XXXX XXXX XXXX XXXX number does not work.
Consumer complaint received 2024-09-18
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (CA)

Please investigate Nel Net Inc, I have sent them my 1099-C which was accepted by the IRS to discharge the debt, and I have asked them to remove the reporting from my consumer credit report. 

Subject : Request for Debt Cancellation and Securities Transfer To Whom It May Concern, I am writing to formally notify you that a 1099-C was submitted to cancel the debt associated with my account. Therefore, I request that you remove any related accounts from my credit report immediately. 

Additionally, please transfer my securities into my XXXX  XXXX XXXX  without delay. Below are the necessary account details for the transfer : Routing Number : XXXX XXXX XXXX XXXX XXXX If you fail to complete this transfer promptly, I have a XXXX  XXXX at my disposal who will conduct a XXXX  audit. Furthermore, I will proceed with filing a complaint with the Securities and Exchange Commission ( SEC ). 

Please consider this matter as urgent and respond accordingly.
Consumer complaint received 2023-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Foreclosed on directly after a medical event as I fell behind on payments. Asked what I could do to get back current? They wanted to a loan modification but then never contacted me back. Was told do not send payments on as it would negatively affect the loan modification. Next thing I knew it was an eviction notice and house was being foreclosed on. Entire process went down within 2 months.
Consumer complaint received 2018-04-14
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. (TX)

Transuion credit reporting drop my credit score while I had no collections or negative items on my account. Transuion and XXXX said because I paid off my full XXXX XXXX account I lost my good credit score. But Days later I opened the same account again with a new balance.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

Affirm account last payment of {$280.00} balance payed XX/XX/23 continues to show delinquent on credit reports after notifying Affirm of issue in previous attempts to clear credit reporting. As a result I have been rejected for home purchase and financing as a result of false report.
Consumer complaint received 2024-06-26
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 (TX)

I was sold a car with a known fuel sensor issue and broken sunroof and electrical issues The car was sold for XXXX and now valued at XXXX This car was overpriced and I was sold a insurance plan that could not be supported by other dealerships I also traded my XXXX XXXX and loss significant car value I made multiple attempts to get issues referred but was referred to a third party that could not use coverage
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.