davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, Equifax and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (MD)

Per XXXX XXXX XXXX XXXX XXXX  credit score, XXXX dropped my credit score XXXX points. This was significantly much lower than Experian which decreased my score by XXXX points. I want to have clarity as to why XXXX score is so much lower than other reporting agencies when the credit reports are identical and based on the credit same history. 
I have been penalized by XXXX  throughout their review and scoring whether its increase or decrease of my credit score. I need to understand why the great disparity when compared with other reporting agencies. Plus, too many excessive points, in general, are decreased from ones score without given the appropriate time to correct the issue. 
At this point, I feel its discriminatory and would like a thorough investigation of XXXX practices and rating of my credit history. 
Thank you for your prompt attention to this request.
Consumer complaint received 2021-01-02
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: ENCORE CAPITAL GROUP INC. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (TX)

On XX/XX/XXXX I discovered there had been fraudulent charges using my prior employers medical insurance that was still open in my name. On XX/XX/XXXX I filed a police report. Each of the entities involved has been contacted and provided with a police report and I have gone through the process of disputing each item on my credit reports. 

Even now, XX/XX/XXXX, I am getting items showing up on my XXXX credit report from NATIONWIDE RECOVERY SYSTEMS with a XX/XX/XXXX charge originating from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My car loan was paid off in full. Instead of it reflecting that XXXX only put XXXX balance instead of showing my car was paid off this lowered my credit and cause due harm of negative marketing as well as lowered scores which cause me not to get approval for other car loans.
Consumer complaint received 2023-03-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (KS)

I have asked a newness at times to remove this from my dad that these are not my addresses and I did not make this debt and it continues so I want all of this removed and I never gave them permission to I asked him for the original debt my written seal and they can not provide it
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I tried to request a re-modification from PHH, I received a trail re-modification with no details of how this re-modification was created or what the terms would be once the trail was completed, which I think is extremely important. I submitted a letter of concern to PHH as well as CFPB, PHH responded to me with a letter dated XX/XX/2022, I received the letter XX/XX/2022. PHH response did not address my main concern. I have copied my response to PHH below. My original case number was XXXX. 
PHH Mortgage Services Escalations Department 1 Mortgage XXXX XXXX XXXX, NJ XXXX XXXX XXXX I would like to start by saying I appreciate your time, after a thorough review of your letter and it may be my fault for not stating it clearer, my major concern is being addressed in your letter dated. From the very beginning I have asked to see the calculations per year to verify the charged rearranges are correct. The other concerns are relevant, but not nearly as important. 
In closing, I apologize if I did not state my request clearer. 
Genuinely, XXXX & XXXX XXXX
Consumer complaint received 2022-12-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

I am unable to close my acount with Wells Fargo, because I was not allowed by XXXX and Wells Fargo, It is a legal document that clearly states, that the above case number is allowed to be opened by XXXX XXXX Case Administrator. This person was last identified as being in New York, by the XXXX. I wrote a letter confirming all identification and my case #. No response from this man. XXXX XXXX XXXX XXXX has not responded to my assigned case. XXXX XXXX is ( XXXX ) XXXX. This number is not in service. Why? 
XXXX XXXX does not accept emails to this person. 

This person 's where abouts the CFPB should investigate. 


Why Wells Fargo do you consider this arbitration program fair and legal abiding by the XXXX orders in the XXXX, which I was one of the numerous violated parties. 

I am insulted that Wells Fargo doesnt know my address!!! I have provided my marriage certificate 2 times to the manager at the XXXX XXXX Wells Fargo Bank in XXXX XXXX 
The manager fowared these legal documents to the Executive Office. It is your responsiblity and accountability to have provided these legal Arizona documents into a secure site filed under my name, I didn't have your problem and will not accept the individual XXXX XXXX 's lies that I had the problem. Also, Wells Fargo Executive Office had these documents to provide to the SETTLEMENT ADMINISTRATOR ( NO NAME )?? 
at XXXX XXXX  XXXX XXXX MN. XXXX. 

It is unfortunate that my address was established XX/XX/XXXX, XXXX by the US Postal Service to be what I have provided to all government agencies. My phone number remains the same for years. My email has remained the same for years. 

I feel the CFPB should be informed that as of XX/XX/2022 I was questioned by a person who answers legal calls for the Wells Fargo Office XXXX and hopefully forwards all intake calls from individual clients that have been involved by their illegal activity. 
I was questioned numerous times did I ever reside in XXXX? Did I open accounts for people under my name in XXXX? NO! I did not and would not open accounts illegally for anyone. 

Please be aware this is happening to me on this date XX/XX/2022. 

WHY IS SOMEONE ASKING ME THESE QUESTIONS? WELLS FARGO NEEDS TO ADDRESS THESE UNWANTED ISSUES. 

JUST RECEIVED A CALL FROM XXXX New York. 

EXPLAIN WHY I AM STILL INVOLVED WITH QUESTIONS OF ILLEGAL ACTIVITY? 

XXXX XXXX generated a letter XX/XX/2022 and proved he was incabable of any settlement and was not part of any type of remediation to end this illegal ongoing activity. This activity needs continual supervision by the CFPB. Their illegal activity continues! This is harrassment of my life on a daily basis.
Consumer complaint received 2022-12-29
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. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX  XXXX XXXX  NA ] Account Number : [ XXXX ] Reason : [ NEED THIS ACCOUNT REMOVED FROM MY PROFILE IT KEEP REAPPEARING. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2021-01-04
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. (NY)

XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently I looked at my a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., XXXX XXXX {$940.00} XXXX {$810.00} XXXX XXXXXXXX {$1000.00} 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 an 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 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

all theses address are being repoted that i never lived there XXXX XXXX XXXX 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 EQUIFAX
Consumer complaint received 2023-02-22
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. (MD)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Greene & Cooper Collections LLC (GA)

I was served a lawsuit from  Greene & Cooper, LLP   (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on   XXXX    The lawsuit was filed on  X/XX/2017   . I am being sued on behalf of  XXXX   XXXX ,  XXXX  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm , Gre  ene & Cooper, LLP. T his account was disputed directly with the  Original Credit  or,  and  XXXX   XXXX   XXXX . Which I am not sure is even the same company as  XXXX   XXXX . I have never been contacted by  XXXX   XXXX .
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (FL)

At the beginning of XXXX I had contacted Prosper Marketplace. Due to covid and them doubling up the amount of the payments then enduring XXXX XXXX, I called Prosper and discussed my options as my father had offered to pay this account off. I spoke to an agent and asked the same question several times will this affect my credit, as he gave me a number and it was paid immediately. He clearly stated it would only show the account paid I clarified again he said it will just show that the account is PAID no other incriminating information. I then noted that the account shows the word settlement and a red mark on my XXXX payment status which dropped my score considerably. My goal was to enhance my credit moving forward thus being so particular about what they would state on my report. During the conversation he had asked if I was in front of my computer and logged into my account I said yes he said press the accept button which I did. I have since written to them via email in excess of 10 times most of which they don't respond, I have asked that they listen to the recorded message which they refuse to do. I followed the guidance of that agent, had I known it would be derogatory to me, I would not have paid it off. This company prays on people that are just trying to get out of debt not into it. I request that the conversation be listened to and where it was clearly explained that only the word PAID would show and not a barrage of additional information that they put to harm the consumer. I paid this in good faith rather than go into bankruptcy which would have been worse for them. I ask that they remove anything other than what I was told would be there which was only PAID and a XXXX balance owed. Thank You
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (CA)

I purchased the car and since very first day I was mislead with price it was not posted on the vehicle. 
Contract was misleading representation, it was false ad deceptive, unfair methods of competition, I was required to give a downpayment when it is not required when a credit S.S has being processed or checked. I was charged more apr than they were suppose to have charged and XXXX charges as well. Finance company audited the dealership and was forced to cancel the first contract and prepare a new one in which dealership didnt notified me nor asked me to come in to the dealership to sign a new contract with changes. I received by us mail the new contract w proof of check of difference send to finance company and they mailed me another check for there over charge w the XXXX, I called XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX about the matter several times w in the month, no one was interested, untilXXXX XXXXXXXX it was a Thursday and Friday before the car was repossessed on XX/XX/XXXX they hurried and got the car repossessed because I threatened to sue for fraud and defamation. I told them the car was mine and I didnt have an obligation to pay since contract has no wet signature from me the living person with a soul I am XXXX XXXX XXXX the beneficiary l want my security back ( car ) XXXX XXXX XXXX  back asap as they frauded me and stold my car. 

No one from global lending called me nor reached out to me until two weeks later letting me know my security was to be sold in auction on XX/XX/XXXX. Giving me less than a week to try and solve this matter, No one from repossession company has contacted me to allow me my personal belongings nor where they are located. I have been treated unfairly and inhumane under title 15 truth and lending act, I have been frauded and mislead as well. I also do not have any contract or written statements with the third party company repossession company nations recovery services inc, nor have I consented to them stealing my car security. I want my car back and i want the auction to be stopped
Consumer complaint received 2023-02-02
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: Resurgent Capital Services L.P. (MI)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute the actions of a debt collector, Resurgent Receivables, who has been violating my rights and causing harm to my credit reporting. The debt collector in question has been reporting a debt that I do not owe, which has caused significant damage to my credit score. 

I request that the CFPB take immediate action to rectify these violations of the law and provide extensive remedies for the harm that has been done to me. The following laws support my claims : The Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading statements about a debt, including the reporting of a debt that is not owed. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires debt collectors to accurately report debt information to credit reporting agencies. If Resurgent Receivables is reporting a debt that I do not owe, they are violating this law.

The Michigan Collection Practices Act ( MCPA ), Mich. Comp. Laws 445.251 et seq., requires debt collectors to be registered in the state of Michigan before they can collect debt. If Resurgent Receivables is operating illegally by collecting debt without being registered, they are violating this law. 

I respectfully request that the CFPB investigate this matter and take appropriate action to rectify the violations of these laws and provide remedies for the harm that has been done to me. I would be happy to provide any additional information or documentation that may be necessary to support my claims. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX