davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, authorize nor benefit from any of the following inquiries/account. XXXX and remove them. 
15 U.S.C 1681 Wrongfully added/Incorrect spelling personal information : 1 name. 1address. 1number 1dob XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/92 Charge off ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX US Dept of Education : XXXX XXXX  ; XXXX XXXX XXXX and XXXX XXXX XXXX  Inquiry ; XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Last year around XX/XX/2021 I started a forebearance plan with XXXX, my mortgage company. I had it extended and was on the plan for 12 months. I received letters explaining my options on paying back what was owed. Either lump sum, extra payments toward the amount or add it to the end of my loan. Around the time it ended a different company took over my mortgage, a company called XXXX Mr. Cooper XXXX I started receiving statements with a the balance of my total payments that didn't get paid during the forebearance plan. I was told that this company that took over my loan doesn't offer the forebearance plan and that I don't have those options to pay back the amount owed. So basically I'm behind about {$10000.00} and I'm not sure what I can do to resolve this.
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: Experian Information Solutions Inc. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # XXXX DateFiled/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

I received a notification on XX/XX/2022 that this company ran a credit report. I have nothing to do with this company. 
XX/XX/2022 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
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: Experian Information Solutions Inc. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 : {$0.00} ; XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$33000.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX
Consumer complaint received 2022-12-22
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. (MI)

in accordance with the Fair Credit Reporting act Experian reporting agency, 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
Consumer complaint received 2023-02-03
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. (KS)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Consumer complaint received 2023-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OK)

This company continues to harm the consumer by knowingly reporting fraudulent information to XXXX, when there in fact HAS NEVER BEEN A CONSENSUAL CONTRACT BETWEEN CONSUMER AND THIS COMPANY. I am requesting debt VALIDATION as this company has violated the consumer in numerous ways, and XXXX accepts these fraudulent reports as accurate despite the multiple disputes.
Consumer complaint received 2023-07-14
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there is still an inquiry that needs to be DELETED. The Credit Bureaus must delete this inquiry under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed inquiry be DELETED immediately. 

XXXX XXXX XX/XX/2021
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: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Consumer complaint received 2024-03-29
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. (CA)

I am reaching out to inform you that I have been a victim of identity theft. This letter serves as a formal dispute regarding these accounts. I have directly contacted all the companies involved and have followed the necessary steps advised to resolve this issue. I have also filed an identity theft report with the FTC and have initiated the dispute process with the companies. Your assistance in resolving this matter would be greatly appreciated. 


I request that you investigate the following fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

TitleMax continues to elude the FACT that my rights as a consumer were violated in my attempt to acquire funds for my personal, family, and household purposes. TitleMax did not explain or inform me of my right to rescind nor did they submit the separate required forms pursuant to 12 CFR 226.15.

3 ) If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.

TitleMax also eludes the Fact that my rights as a consumer were violated by neglecting to omit 16 CFR 433.2 In connection with ANY sale or lease of GOODS or SERVICES to consumers, ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Which has nothing to do with the sale of my information per TitleMax response.

TitleMax also did not inform me of my vehicle was going to be repossessed. By their own admission, a letter was sent two days after letting me know when the vehicle would be sold which was not sent to my residence. No other information was received regarding the repossession of my vehicle.

TitleMax has not provided proof that all of the above was performed. As a natural person, I am the only one who can attest to the transaction.

TitleMax continues to elude the FACT that my rights as a consumer were violated pursuant to 15 USC 1692 d ( 1 ) Harassing or Abusive Practices 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person.

I have evidence of my communication with TitleMax and no mention of my account being delinquent was ever mentioned. I have the dates and times of each rep. and conversation regarding the receipt of my promissory note, TitleMax only responded to my promissory note after my first initial complaint through CFPB. I have evidence of their receipt of the document dated XX/XX/2023. I heard nothing from TitleMax until XX/XX/2023 which was to inform me of the intent to sell my vehicle
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: EQUIFAX, INC. (CA)

I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. I dont have faith in you there at Equifax have no time to wrestle or analyze my complaints and Im sure you have gotten the FTC Ive sent. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (TX)

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 : XXXXXXXX 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
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX, DATE OPENED XX/XX/XXXX, AMOUNT {$2000.00} FILED FRAUD NEVER GOT RESPONSE. 

CAPITAL ONE DATE OPENED XX/XX/XXXX, AMOUNT {$760.00} FILED FRAUD NO RESPONSE. 

CAPITAL ONE DATE OPENED XX/XX/XXXX, AMOUNT {$1400.00} FILED FRAUD NO RESPONSE. 

CAPITAL ONE DATE OPENED XX/XX/XXXX, AMOUNT {$2400.00} FILED FRAUD NO RESPONSE CAPITAL ONE DATE OPENED XX/XX/XXXX, AMOUNT {$300.00} FILED FRAUD NO RESPONSE XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX AMOUNT {$4900.00}, FILED FRAUD NO RESPONSE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$490.00} FILED FRAUD NO RESPONSE.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MN)

I had a loan through Wells Fargo auto from around XXXX. I never missed a payment on it until covid hit. I started working for myself in XXXX and after the stay at ho.e orders and everything else going on, I lost a lot of business due to uncertainty with customers. ( I do XXXX XXXX ). I would make my payments over the phone. I requested a deferment and received one. And then requested another one after that. I was confused because I got conflicting answers about whether it was approved or not. After awhile I started to pick a little work and was trying to make a payment on my truck and the phone service wouldn't allow.me to because apparently my account was closed or something. I would try calling them on the phone but they don't have a voice messaging system.I have proof on video of multiple attempts to try to reach them. I went into a wells Fargo branch and they said they couldn't help me because they are separate entities. Later on I had a tow truck guy try to take my truck out of my parent 's driveway, I convinced him not to. I talked to the bank after this and they said my loan was defaulted and I had to pay in full or it would be repossessed. The full loan amount was around {$18000.00} and I owed about {$4400.00} when they said it defaulted. I borrowed money from my mother and friend to pay it off but was told that their " system was down '' .after more back and forth another tow guy showed up and took it and I had given up at that point. They didn't let me get my personal belongings out of it and they auctioned it off for {$2100.00} in a private auction. The XXXX XXXX value was {$10000.00}. And it was in very good condition, I had just put a lot of work into it. I requested receipts of all of my payments and the auction information around XXXX XXXX XXXX and never received a response. I finally got a letter a month ago saying the remaining debt was canceled but nothing else. Wells Fargo also closed my savings and checking accounts after I requested a fraud investigation ( twice ) and never got a response from them. Just phone calls of them telling me I owe them money. They have ruined my entire life at this point. There is more to this story and I have a lot of evidence from all of my claims. I haven't been able to afford an attorney or even the down payment for one to declare bankruptcy. I hope I hear back from someone because Wells Fargo turned my life upside down and they need to be held accountable. Thank you for reading my complaint. I'm glad to know I am not the only one this has happened to and I know others have had it worse like losing their home, luckily my parents have let me stay with them throughout this whole mess.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

After Reviewing My Credit Report, I Have Found Numerous Inaccurate Names, Aliases, Former or Current Employers, and Addresses That Do Not Belong To Me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my Credit Report per The Federal Fair Credit Reporting Act ( FCRA ) Regulations 15 U.S. Code 1681i, and I demand, as My Lawful Right, For As Names And Addresses Other Than What I have listed above and below be removed immediately as they are not accurate and untrue.

Also, delete all activities containing information solely as to consumer transactions or experiences per U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681a Section ( 2 ) Exclusions of Fair Credit Reporting Act. Delete all insight into my financial status Per The Fair Credit Reporting Act ( FCRA ) of 1970 - which protects consumer information as it pertains to their credit report, which provides insight into my financial status.
Consumer complaint received 2021-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

My Mortgage servicer wrongly reported 2 late payments in XX/XX/XXXX & XX/XX/XXXX. Both claims were actually the mortgage company 's fault so I appealed both charges 3 times. Their response letter agreed with one fault that caused the late payment in XXXX but dismissed the second fault that caused the late payment in XXXX. No adjustments to my credit report were made. They served my address with a foreclosure notice instead. 
When I inquired of the foreclosure notice, the mortgage company had no record of sending one. I then disputed my uncorrected report with XXXX 3 more times by submitting my evidence of timely payments made and the letter of admission from Mortgage company that caused the first negative remark but XXXX 's solution was to appeal my Mortgage company. All instances involved the mortgage company failing to send notifications of service changes & I have all of the proof necessary.