davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.
Consumer complaint received 2018-12-07
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)

I wrote to XXXX  and XXXX Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX  with a balance of XXXX. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of (2) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Consumer complaint received 2021-01-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX , personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California ( 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner. 
XX/XX/XXXX Prestige Default Services records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX XXXX XXXX XXXX sells Plaintiff 's property to XXXX XXXX XXXX XXXX XXXX XXXX  where XXXX XXXX participated in an unlawful auction that took place after XXXX XXXX, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have. 
On the date when the transaction took place, XXXX XXXX XXXX XXXX was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files XXXX XXXX XXXX XXXX Superior court Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response. 
Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever.

They also received a Notice of Default with Opportunity to Cure with no regard. 
The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists. 
In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I deposited 2 checks in my Huntington account from my grandma! They put my account and both checks on hold for review! They then said 2 weeks later that they needed verification from the issuing bank ( fifth third ) and they would be released! I then drove the 40 minutes to the issuing bank and got the verification from the branch manager/vice president validating the checks to me and for the amount and that the funds have taken out of my grandmas account! I brought it back to Huntington! I waited couple business days didnt hear anything back from Huntington so I called the customer service and was told that now that wouldnt work. They wouldnt give me any information on MY account to why this was happening, what I could do, how long it would take, nothing!! The branch manager from fifth third has also tried reaching out to see whats going on cause they are confused to why this is happening! So then on XX/XX/XXXX I called in to get an update and they said they closed my account and sent the money back! No notification about them closing it or why and will still not tell me why! So my grandma and I have been checking her account waiting for it to come back! Here we are on XX/XX/XXXX ( a month later ) and still no money. I called into Huntington customer service to see what was the hold up, they then said they sent a request ( not sure as to what request, again they wont give me any info ) to send the funds back, and that the funds were sent back on the XXXX. Every time I have reached out to Huntington their story or explanation changes! Then I reached out to fifth third and they said the funds should have been almost immediate, they reached out to a Huntington branch and was told now that it was a check but wont say who the check is being mailed to. This has been a nightmare, this was my kids XXXX money and also just bought a house and was my money to make it move in ready for us! Im at my end, Ive tried everything possible, Im waiting for my lawyer to call me back on next steps! I just dont want to take it that far just send my money back to my grandma so we can move on!
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX I disputed an inaccurate item from Credit acceptance that was not valid and had multiple inaccurate items reported to my credit report upon disputing this item I was told the debt came back validated and then Experian gave out my address without my consent and said the investigation was closed. I asked for a copy of this investigation and never received XXXX XX/XX/XXXX I reached out to the creditor for a debt validation letter and was never responded to. I then informed experian that I was never contacted with a response and this item being reported was violating my FCRA Rights and to remove it via letter as well as phone and was told by an agent it would be removed. 

XX/XX/XXXX I spoke with an experian agent and again had to update my personal information as they continue to report inaccurate addresses without any written or expressed consent from me as well as this account with credit acceptance account number XXXX which was appearing as a charge off prior to XXXX has now been changed to open and address updated this is a violation of my FCRA rights. I asked it be validated band I was told an investigation was already conducted and I was linked by an inaccurate address and it could not be disputed but I was provided no transcript of such investigation. And the address that was allegedly used to verify the account was inaccurate and I had attested to the fact i did not reside there and it was still not removed. I told them I would give them XXXX days to produce evidence and I have not received a reply.
Consumer complaint received 2022-10-20
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, 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 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had an citizens bank, I had no issues until I put my {$10000.00} check in it that I had received from my tax professional. I went in the bank and deposited monies at the counter, was told my money would be available wednesday. It was not, They held money for an additional 7 days, told me it was banks discretion. I then waited those additional days. The day came for me to access the funds and I paid a few bills that in total was about {$1700.00} or a little less, I went to used the card the following day.I tried access my account online and was locked out and account was frozen. I contacted the bank, they told me that I would get a letter explaining what was happening, They would not talk to me only said wait for letter. I got a letter stating bank relationship was dissolved. I called citizen they said at discretion of bank never mention fraud until i asked, I told them the check was good and i can prove it tax professional had documents of the getting funds day after I deposited. bank said I'd get a check of the remainder of the monies within 10 days that was over 6 weeks ago I haven't gotten any monies back, citizen has now stated I owe them, impossible the account was frozen. I couldn't get in the account, nothing can come out. I feel discriminated against, and taken for a ride.
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  student loans have been  discharged  and I have a letter from the   XXXX   XXXX   XXXX   stating all loans have been discharged. The  XXXX  credit bureaus refuse to accept the letter.
Consumer complaint received 2023-09-28
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: HW Holding, Inc (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Vs. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.
Consumer complaint received 2017-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (WI)

I am working with  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   to help me with my debt management. We applied for student loan consolidation, including loans defaulted and in collections. They consolidated several but it appears that the ones that are in collections were not rolled into the consolidation.     I am making a genuine effort to repay these loans and clean up my credit rating but there is over  XXXX  a month being garnished from my wages, which I am unable to afford and meet my other obligations.     My debt counselors and myself feel that these defaulted loans should have been included in the re-consolidation to help me get a fresh start.     I would greatly appreciate any assistance you could provide.
Consumer complaint received 2023-04-29
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. (IL)

I recently went through my consumer report attached the my social ending in XXXX. 
I noticed that there was an alleged debt reported by a 3rd party debt collector. I researched and read some laws pertaining to Consumer Reporting Agencies. In the Permissible purposes section of the FCRA, which is an exclusive list of " permissible purposes '' for which Consumer Reporting Agencies can furnish a report and are not allowed to furnish under any other circumstances. 
An example is in accordance with the writing instruction of the consumer to whom the report relates to. 

I Never gave XXXX or Experian the written instruction or Permission to report the alleged debt by SST to my consumer report. If XXXXExperian can provide written instruction by me the consumer, please provide proof of it. If it can not be produced, that is a direct violation and the account being reported by SST shall be deleted. 

Furthermore, in the congressional findings section, congress requires Consumer Reporting Agencies to adopt reasonable procedures to meet the needs of commerce in a manner which is fair and equitable with regard to confidentiality and accuracy among other things. 

I'm not sure what procedure was being followed when they reported an unverifiable and unvalidated debt to my consumer report for profit between XXXX, Experian and SST. 

XXXX and Experian are behaving unfair by selling millions of consumers ' data while violating federally protected consumer rights, earning millions of dollars per year in revenue ( according to the XXXX and XXXX fillings ) while denying my right to have inaccurate and unverifiable information removed from my consumer report while profiting off of said inaccurate information. 

Also, this Alleged account SST reported me to have with them was reported as 90 days late, but in my attached Consumer report, there is no payment history in the last year with this company let alone the last 90-120 days. How can I be late to pay a company that I have no payment history with? Reference My Payment history with the Other installment accounts I have and there's a full payment history, yet SST claims I'm 90 days late but there's no payment history and no proof of alleged debt have not been provided to me or XXXXExperian. This company knowingly reported false information to XXXXExperian and XXXX/Experian willing accepted and reported false information which they didn't investigate properly. 

This reporting of alleged debt, has affected my ability to extend and receive credit/financial assets which directly impairs the efficiency of the banking system. 

Attached is my recent : XXXX Consumer Report. 
Cease and Desist letter I sent to debt collector ( which they have not repsonded to but updated the status of the alleged account ) and Certified Mail Receipts.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ).

Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment..

Account 1. XXXX XXXX XXXX ( Acct Opened XX/XX/XXXX ) Months showing Late XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-10-28
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 obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given XXXX, XXXX or Equifax consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.
Consumer complaint received 2015-10-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (GA)

On XX/XX/2010 I closed on a house for me and my children. The property should never have closed in it 's condition. The broker acted in concert with the realtor to close the loan on a house that is almost uninhabitable. The condition of the property was grossly misrepresented by all parties involved. Because of their deceptive business practices our finances have been in ruin.
Consumer complaint received 2022-10-28
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. (FL)

According to the Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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. (GA)

So I sent the document off on XX/XX/22. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

XXXX, XXXX, and XXXX have persistently misrepresented the records for the adverse debt collection account belonging to the principal, XXXX XXXX XXXX. The account transactions constitute income, as evidenced by the 1099-C received from XXXX, XXXX, and XXXX attached to this complaint. Despite attempts to rectify this with XXXX, XXXX, and XXXX, the agencies have disregarded the principal 's rights and persist in reporting inaccurate information without the principal 's consent. This has resulted in erroneous credit scores and denials of credit applications for the consumer.