davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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)

Pursuant to 18 USC 8 i owe no debt this company XXXX XXXX XXXX XXXX is violating my consumer rights to privacy pursuant 15 USC 1681b ( 2 ) company has no permission to report anything using my information pursuant to 15 USC 1681c ( a ) 4 - 15 USC 1681e ( b ) accuracy of report- FDCPA ( 807 ) 8 notice of dispute I responded twice to company to provide me with original application no reply! disputed with credit reporting agency Experian they claimed verified date XX/XX/2023 - How is this? Attached below are certified mail receipts and correspondence letters
Consumer complaint received 2017-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Recovery Solutions (PA)

My relatives have shar ed VM  's from this company  United Recoveries calling them telling them that armed police officers we re coming to my home to arrest me in  4 hours if I did not respond to them, I have contacted them to see who they are, hung up on me 3 times, and the last time they transferred me to a case manager I sat on hold for over 15 minutes only to be redirected back to the operat or again. They have no sent me any notices, they have called my niece and my husband with the same message, no clue who they are or want they want
Consumer complaint received 2022-07-13
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. (CA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payments made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00}
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i've tried to have my credit report fixed through disputes, to no avail with all three major credit bureas. They are infringing on my common law copyright without authorization, they have caused me tremendous damage and suffering. I can not get approved for credit cards because they're willfully and knowingly violating their role in doing proper investigations. I've sent proof of 2 two credit cards paid in full with a XXXX  balance and they are still reporting that i owe a debt when in fact I do not. Furthermore, I never authorized these agencies/creditor ( s ) to furnish my non public information. They're not able to produce evidence of this, so now I've sent in my Common Law Copyright, Notice of demand, UCC financing statement, and my legal/lawful notice of demand to which i'm demanding my credit file be updated with demands requested. I will continue business only if demands are met. I've been denied credit on numerous occasions due to the improper use of my credit report by these companies. They continue to ask for the same information when I was clear on the accounts in dispute, I also spoke with these agencies wherein XXXX  was very disrespectful and threatening with abusive speech. They're assuming a vital role in furnishing information without authorization and will/shall be held liable if credit report demands aren't met. I urge them to aquire my written authorization from these so called creditors verifying that I authorized them to report anything on my behalf, which I never done. If these reporting agencies can not verify I want demands met effective immediately. This is the correct thing to do. My notice of demand must be adhered to. They're not authorized to furnish
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

I am writing this complaint due to Equifax not responding to my request to have credit inquires removed due to them not being authorized inquires. I did not authorized numerous inquries that are showing on my credit report and I have disputed them numerous times via phone and mail. I get the same generated response a few days later. Which further tells me that they have not verified these inquires and keep sending me a generic response. I have just submitted another dispute and if this CFPB complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit is for a firm offer of credit, insurance, employment or court order.   The inquires are as follows :  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 2020-04-24
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

I am behind on my mortgage. Over the past year my loan has been sold twice and the current holder is Gregory Funding. I have submitted an application for loan modification or any assistance and I was denied because they stated that wanted a downpayment of approximately {$65000.00} to do something which they know I do not have so I was denied. They stated that the are only a service agent for the holder of my loan who is an investment company and they are not an institution that can offer load modification or refinancing due to their rules. 

I feel that they are not being helpful with helping me with my situation. If I had the funds to pay them, I would be able to pay the default payment to get me current, but their inability to offer forbearance, refinancing or loan modification is not legal and I am filing a complaint. I may be missing information you need and will be able to submit any information you need. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CARD Corporation (NV)

I received a XXXX withdraw on my prepaid debit card stated XXXX reverse transaction bc consumer. The prepaid card company stated it was a atm error from XX/XX/2023 from when i went to the atm and never recieved XXXX but the atm said i .did The withdraw from the prepaid card services was XXXX XX/XX/XXXX. They stated the atm made a withdraw and u took the XXXX out on a different date which means we had tk remove the money from your account. I stated none of thar make sense and I was given cash on the XXXX and the receipt shows proof. Phone rep stated no u didn't withdraw any money on the XXXX it was the XXXX and it's not showing the XXXX but it shows now XX/XX/XXXX so we have to take the money. I said that still doesn't make since and it sounds like it's a excuse to take my money. I said I have had you guys over XXXX  years and this is my XXXX time your company has to fraudulent stuff with my account. I talk to XXXX  bank branch because that's the atm I went to and they stated that reviewed there atm and nothing was wrong with atm and they don't know what the prepaid services card.com is talking about. The prepaid services told me oh well figure it out. I guess your out of XXXX deal with XXXX bank. Again XXXX  bank stated the XXXX is disputedable because I made no error and that card.com is finding an excuse to keep my money. 


This was the original email i sent to the company several time ( Good morning, my name is XXXX XXXX and iam a XXXX XXXX for the state of XXXX. Currently iam a member/card holder for card. Com services. The reason for my email is in regards to a XXXX charge debited from my account worded as manual refund transaction for bc consumer. When I caller card .Com a phone representative stated it was due to a systematic error from a atm. Phone representative stated XXXX  bank notated the account and stated it was a error with a withdraw submission for the amount of XXXX and had card.com withdraw XXXX out my account. Card.com stated it wasn't disputedable, they wouldn't do anything for me and for me to talk to the bank. XXXX phones XXXX  bank first of the incident and then went to a XXXX bank branch. I was in there for XXXX minutes with a branch manager. After reviewing my receipts, bank statements and history of the atm XXXX bank made no real error. They stated XXXX shouldn't of removed funds because even with the error the system still shows it was corrected therefore money shouldn't of been taking out my account. XXXX bank said the charge is disputedable and that card.com shouldn't of stated that. XXXX bank said everything was good in there end and that card.com shouldn't of took XXXX out my account. Respectfully I'm submitting proof and Respectfully asking for the charge to be reverse on my account. ) XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern : I'm formally challenging you to review the date on file for me and ensure that it is accurate and up to date. I'm citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as XXXX XXXX compliance standards in doing so. Any inaccuracies of deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in the profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form JPMCB - CARD SERVICE ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2023-07-06
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. (UT)

I discovered that my personal information had been used to apply for many loans and credit cards. When I tried to log in and dispute the claims with Experian, someone had already opened an account using my information but a different email address. This does not allow me to " reset '' the password because the account was created fraudulently. I am therefore unable to address and try to repair the damage that has been done by the person using my personal information to open accounts.
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

On XXXX I checked my credit profile and notice that a collection was on my report from SOUTHWEST CREDIT SYSTE ( Original Creditor : XXXX ). I have never had XXXX or any affiliation with this company so someone had to use my identity information to obtain this account and I need this removed immediately.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My bank : SunTrust merged into Truist. 1-1/2 years ago. I had an interest only HELOC. Until XX/XX/XXXX, payments went to where they were supposed to ( using app- or online service. ) From XXXX to XXXX payments to interest only, could only be made by calling loan department, ( not online or app ) XXXX payment, I had to call Truist loan company to make. Truist loan dept, tried to make it interest only payment - but system no longer acknowledges that type of payment. After 6 calls, & attempts to backdate payment, ( & a trip to the XXXX XXXX XXXX ) reverse from principal only to interest only, they were unable to accomplish. 
My account now is listed as not paid for XXXX, & I can not pay the XXXX payment. I am told by Truist there is nothing that they can do. [ ( There is an original problem with the merger that they opened a whole new HELOC- in addition to my no-interest- which they added fees onto ) My original XXXX loan- was that charges ( eg. Insurance ) be added to existing HELOC balance.. ]
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

These inquiries in attachment should not be on credit report. i have attached an email I sent to a local ford dealer disputing this as well and advising them they should not have submitted my credit report to XXXX banks without my approval. 

Have you guys submitted my application to any banks today? I noticed you have pulled my credit. I hope you guys did not do a mass credit submit, if so I want those inquiries removed. Getting me approved by XXXX banks is not a good process. 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I have spoke with other personnel in the management team to resolve your case. We have authorization and are currently working on it. 

When would be able to come in if it is possible? 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX did n't forward my credit information? If I came in could I drive it home tonight? I know with my credit issues you would need a day to try to get me approved. I could come in the next 30 minutes but not to sit around. 
Do you need any info from me, did you get paystubs and ID theft statement? 
XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, Thank you for the reply. I will get with management about the vehicle, but if you could do me a favor. We are currently not authorized to look at your credit. We would need you to fill out our online credit application. The link is HERE. Unless you just wanted to come in and sign off on it. 

Please put my name as the Sales Associate. 

I look forward to helping you get into this truck! 

Best, XXXX XXXX XXXX Cities XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX XXXX To : XXXX XXXX Subject : Re : XXXX XXXX, I would do truck below if your still offering $ XXXX off. With $ XXXX down only would be financing like $ XXXX. 

VIN : XXXX XXXX XXXX On XXXX XXXX, 2016, at XXXX XXXX, XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hey XXXX, I apologize for not answering, my phone must have been receiving a call at the same time. I am getting with management to see if we need anything else and how we can help. I will get back to you as soon as have more information. 

Best, XXXX XXXX XXXX Cities XXXX XXXX Sales Consultant M : XXXX XXXX : XXXXXXXXXXXX From : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Monday, XXXX XXXX, 2016 XXXX AM To : XXXX XXXX Subject : XXXX : FMCC Information XXXX XXXX tried to call you back. I am still in the market and working on my ID theft has been slow on Experian and XXXX. 

Have about $ XXXX down and can get A-plan price. Based on FMCC info can you guys help? 


XXXX XXXX. 
Sent from my XXXX XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (KY)

I had a used auto loan through Wells Fargo starting in XXXX. I believe there were some fees that were taken out that were not supposed to be as well as issues getting the lien release from them. When I paid off the loan, the remaining balance, I believe had some hidden fees added to it that I was not made aware of. Also I believe the interest rate was misappropriated toward the end of the loan.
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (KY)

I am a victim of identity theft which have created a great deal of pain and suffering. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Amex are breaking federal law attempting to collect a debt that is not owed. I do not owe Amex bank any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX, XXXX and XXXX ). I am also requesting an audit trail according to XXXX that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!
Consumer complaint received 2023-02-13
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. (NC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions to be reported on my consumer report. I have filed an Identity theft report and mailed it certified with tracking number ( XXXX ) to Experian in which they received it on XX/XX/2023 at XXXX XXXX requesting that the reporting of this information be blocked and deleted within 4 days of recieving my notice and ID theft report. My request to block this information is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

I recently had an installment loan with Speedy Cash. On XX/XX/XXXX I paid the loan off in full. However, the company has a 3 business day payment processing so it was officially paid in full on XX/XX/XXXX. On XX/XX/XXXX I emailed the company to request a paid in full email verification and I also requested that my account containing my debit card and bank account information be deleted. Since the account is paid in full I no longer want my personal banking information to be stored in their system as this puts my personal information at risk. On XX/XX/XXXX a customer service rep responded via email claiming that by law they are required to keep my banking information in their system. This doesnt make sense to me since the account is paid in full and I no longer owe them. I understand they may have to keep account information such as loan amount, payments, status etc however I no longer want my personal banking information ( checking account number and debit card number ) stored in their system.