davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The following accounts was charged off XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, XXXXXXXX XXXX XXXX Account XXXX : XXXX Best Regards, XXXX XXXX
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (RI)

XXXX XXXX program. This was offered to us, on the premise, that we could defer these payments to the end of the loan. With every time the forbearance was offered we took it, once again asking if these payments were to be deferred. They replied with a yes! 
Like all companies that deal with payments or collecting debts, they record the interactions with clients! 
Upon trying to start making payments again, the company wants a full payment of arrears! When I asked what happened to pushing these Forbearance deferred they replied no! Full payment! 
All we asked at this point was to modify our mortgage, again they replied with a no. We tried making Mortage payments but they told us the money would go to escrow, along with the usual monthly payment!
Consumer complaint received 2023-06-23
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. (VA)

I requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly verified.
Consumer complaint received 2022-10-26
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. (NC)

I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. XXXX added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.
Consumer complaint received 2022-11-24
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. (GA)

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 XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-23
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The XXXX  has stolen my credit card account number and charge to my account since on or about XX/XX/2018 until XX/XX/2018 even I didn't purchase .I contacted the Capital One credit card to report the fraudulent charge and to lock my credit card. After that, the XXXX still stole my new credit card account and continuously make a fraudulent charges ( in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 ) to my credit card. XXXX  told me that Capital One give them my information without my consent. On or about XX/XX/2018, I contact the Capital One credit card and asked why Capital one credit card stole my information and gave to the XXXX without my consent and the Capital one credit card refuse to give my any answer and refuse to remove the fraudulent charge on my credit card account. 
The XXXX is attempting to collect the debt which I do not owe. On or about XX/XX/2018, I received an email from XXXX demanding that I have to pay Immediately {$22.00} which I do not owe. On or about XX/XX/2018 the XXXX charge to my Capital One Credit card account with the amount of {$22.00}. On XX/XX/2018 I Called the XXXX and let them know that I never owe them any money. the XXXX threatened me that they would report me to Credit Bureaus and file lawsuit against me for the debt I do not owe.
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: EQUIFAX, INC. (MD)

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXX.My birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from Turtle Island and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I tried disputing my inaccurate accounts with XXXX for awhile now. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Equifax have wrong address on my personal file, and I send in my correct address with proof, Accounts that's not mine, and was already disputed and removed, they put the accounts back on my credit report with no notice. Equifax pretend to remove my accounts but then used old accounts to say they deleted. On XX/XX/2018 I received a letter in the mail from Equifax stating that they updated XXXX  XXXX, XXXX XXXX, and XXXX XXXX, and that they verified the accounts were reporting accurate. I never asked them to dispute any credit card accounts. I asked them to verify the inquires on my credit report that I didn't authorize. There not doing there job, and as a consumer under the FCRA section 609 credit bureaus must prove the accounts is mine, with validation, or contract. I have not received anything verification, or validation. I want these accounts deleted off of my credit report immediately.
Consumer complaint received 2023-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I filed a complaint against this company and they took a long time to respond. Their respond was false information. I received multiple calls from them saying I owe debt. I sent a debt validation letter for them to provide to me with the following : what the money they say I owe them is for, explain and show me how they calculated the money they say I owe, provide with a copy of any documents I agree to say I was going to pay whatever is owe, provide me with any copy of judgment if applicable, prove the statue of limitations not expired for the account, show me that you license to collect in my state, provide me with your license numbers or register agent or agent of service. If this cant be provided I want the 2 out of 3 false reporting collections removed immediately from my credit report. One has already been removed. I had multiple missed calls and voicemails offering discounts on a debt that hasnt been validated. They are violating laws and this is identity fraud and a police report has been made regarding this issue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since 1933.My birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from Turtle Island and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Consumer complaint received 2024-03-26
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2017-05-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (CA)

I have recently been looking for an new apartment. I have been denied due to a judgment on my credit which was for an eviction for a property called  XXXX   XXXX . I was told that it was being handled by a collection company calle d UScollections West. I  called the property in  XXXX  to find out why they placed a eviction on my credit. I was informed by the lady at the office that they were new management and that there wer e two differe nt property owners who were no longer there and that they were no longer in business. I was told that I should call and talk with the collection company. I called  UScollections West and  talk with a man who said that they had signed documents from the court that I appeared and pledged guilty to the eviction. I advised him that there is no way they would have any documents that I signed and pledged guilty to any eviction and that I did not owe anyone anything that all monies that were owed was paid at the time of me moving out. I advised him that I had to show proof it was paid in order for me to get my new apartment that I moved into right after moving out of   XXXX   XXXX   XXXX  . He wanted to know if I had any receipts I told him no due to me not keeping anything past a year o r two  and this going back to  XXXX    XXXX  . He told me that I could pay {$5000.00} to settle the account. I told him the account on my credit was not even {$5000.00}. He then told me that I actually owed  XXXX . I told him I would not pay for that is not fair. He then gave me the court and attorney information. I called the  XXXX   XXXX   XXXX  court and was advised that there was not Junction filed against me and that there should be nothing on my credit. I filed a dispute with the Credit Bureau and was told that my dispute was denied due to the company saying it was valid. I filed another dispute with extra information and was told that it could take 30 days. I called  XXXX  on  XXXX   XXXX  and was advised that the eviction and judgment was removed off my credit however UScollection s West just ch anged the account to a collections account. I have been sent paperwork that has no signature of mine and I have no way of contacting the property management company due to them no being in business.
Consumer complaint received 2023-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (MO)

I am a XXXX, XXXX  XXXX XXXX with very limited income, trying my best to get my life back in order. Please help! 
I was XXXX  in the Missouri department of XXXX continuously from XX/XX/XXXX through XX/XX/XXXX as evidenced by my enclosed letter of XXXX. While XXXX  my identity was stolen by person or people unknown to me. Between the dates of XX/XX/XXXX and XX/XX/XXXX whoever stole my identity incurred {$8300.00} in debt using my Army and Air Force Exchange Service credit card ( see included account statements ). These purchases were purely fraudulent, and I had absolutely no knowledge of them. After I was released from XXXX  in late XXXX, I learned of this debt because of pulling my credit report. I began to receive monthly statements from the Army and Air Force Exchange Service and I've included a copy of the last one in XX/XX/XXXX, which states that with their added interest the balance is {$10000.00}. I also receive account statements from a company called XXXX XXXX XXXX. ( XXXX ) who now apparently ( also ) carry the debt. The last statement I could find from them is from XX/XX/XXXX, and it states that my current balance is {$12000.00} as of that date. I contacted Both of these companies and informed them that the debt was incurred fraudulently and that my identity had been stolen while I was XXXX. They sent me a list of required documents that I was to put together to dispute the fraudulent debt, including an affidavit of forgery ( included in attachments ) from the local police. After getting everything together I returned my fraud pack to XXXX via certified XXXX mail ( see the enclosed, signed receipt ). They signed for it on XX/XX/XXXX. On XX/XX/XXXX I received a voicemail from a person named XXXX or XXXX, in which she said she was calling for XXXX XXXX  ( my name is XXXX XXXX ) and that she was the investigator for my claim. I called her back at XXXX XXXX the same day and we spoke for four minutes and ten seconds. In our brief conversation, the only thing that she asked me is if I was married when I went to XXXX  ( I was, but filed for divorce, which was finalized XX/XX/XXXX ). She then said that if she had any other questions she would let me know. In approximately a week, I received a 1-page summary of their " investigation. '' They had " determined '' the debt was valid and would continue to grow with interest. To make matters worse they are started taking my tax returns each year and a garnishment from my XXXX XXXX pay because the credit card ( which I got as a young XXXX  in XXXX ) can apparently be collected as a federal debt would, through garnishment.
Consumer complaint received 2022-11-23
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

I have disputed a child support account that is not mine and does not belong to me. I dont even have a childXXXX XXXX  and XXXX corrected this error but Experian has been XXXX help.the account was removed on two of three credit bureaus but when I submit a dispute with Experian they are no help and dont look into the case and just gives me a generic answer
Consumer complaint received 2022-11-28
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. (AL)

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items.