davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
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. (CA)

In 2009 my wallet was stolen and I have been a victim of identity theft ever since. This person is always able to open accounts in my name. And now that I am actually trying to use my credit I am unable to achieve anything because of all the negative accounts on my report. I have disputed with three credit bureaus as well as the creditors involved.
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company Transunion to provide me with a letter detailing how they verified this bankruptcy belong to me. By law Transunion had 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.
Consumer complaint received 2021-01-11
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. (UT)

I have sent several disputes to each on of the credit bureaus : XXXX, XXXX  & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Consumer complaint received 2021-01-11
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. (MS)

this is my 3rd letter to the CRA 'S ( TRANSUNION, XXXX, AND XXXX  ) about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XX/XX/2020 and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.
Consumer complaint received 2021-01-11
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. (PA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

looked at my report back on XX/XX/XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account XXXX XXXX XXXX Account XXXX And one more thing according to 15 USC 1681s-2 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. 

Hard Inquiries 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 2023-05-12
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

- I originally reached out to Wells Fargo on XX/XX/XXXX to apply for a refinancing of the mortgage they currently hold. 
- XX/XX/XXXX I submitted my application - XX/XX/XXXX -I Paid an upfront fee of {$550.00} which was to be applied to the survey - XX/XX/XXXX All documentation and paperwork were completed by XX/XX/XXXX. 
- XX/XX/XXXX that my loan was submitted for approval and final decisions should be forthcoming within a week. 
XX/XX/XXXX Notified My loan was rejected due to the debt to income ratio. 

I have a better credit score now than I did when I was last approved less than 1 year ago. Since then I've eliminated a different monthly mortgage payment of {$800.00} and this would reduce my current mortgage by {$400.00}. My year over the year XXXX P & L reflects higher income than XXXX. 
My current APR is 4 % and it would be reduced to 3.25 % Thank you for your help.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

SunTrust Mortgage issued an escrow refund check with the incorrect bank account information. The refund check bounced at my bank due to the error. I have contacted SunTrust three times to have the bank charge reprocessed and was informed the issue is being addressed by leadership with no estimated time this issue will be resolved. I requested follow up with leadership and was informed they could not be contacted.
Consumer complaint received 2021-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Express Collections, Inc. (MI)

I purchased furniture when we lived in Texas from a company called XXXX XXXX. They told us it was a 12 month installment loan. It ended up being a 90 days same as cash. They added all kinds of interest fees and charges to the debt. Not only that we were double billed. We paid off the other Company. XXXX XXXXXX/XX/XXXX XXXX turned the account over to Express Collections out of South Dakota. 
This is the only delinquency left on my credit report. I tried to settle the account and they will not negotiate a fair price. We are in the middle of a Pandemic and they will not budge. Every other Company in America will negotiate for XXXX % of the debt.
Consumer complaint received 2017-05-09
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. (DC)

O  n  XXXXXX 201  7,  I  pulled my  3 in 1 cre dit report through   XXXX   - it showed that I had  XXXX  collection accounts on my Equifax report - I am not liable for these accounts. I submitted a dispute online for all  XXXX  accounts. On    XXXX    17, I  received a response on stating that these accounts were verified and are in fact mine. However, I am not liable for these accounts. Upon the direction of the communication I received from Equifax - it stated that I should file a complaint with your agency against Equifax.
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torriere Holdings INC (GA)

I reached out to XXXX about my account at the beginning of XXXX of 2020 to settle my debt in the amount of $ XXXXI was advised by the representative my account was sold to a collection agency called XXXX XXXX XXXX . I proceeded to call and email XXXX XXXX to settle my debt, however, my emails went unanswered and the number listed on the website and provided by XXXX just continuously rang. I was finally able to get a representative on the phone on XXXX XXXX2020 and that representative then informed me that the account was then sold to another collection agency called, Spire Recovery Solutions. That same day, I called Spire Recovery Solutions to settle my account, which I did for less than the amount that was owed and advised by the representative the status of the will be updated with the credit bureaus within 14-30 days. My issue is after I received my settlement letter it states. " Spire Recovery Solutions , LLC is in receipt of your payment ( s ) and they have been applied to your account. The above referenced account has been considered paid-in-full with a balance of {$0.00}. Contact the following credit report agencies and send them a copy of this notice according to their instructions. XX/XX/XXXX : XXXX XXXX XXXX  : XXXX XXXXXX/XX/XXXX : XXXX XXXX ''. I have done this action and each credit reporting agency has come back and says that the debt is valid and still derogatory and owed. I have done my due diligence to pay the debt, and I expect the correct information to be reported on my credit reports. Spire Recovery Solutions collected funds under false pretenses, never contacted the original creditor that the account was paid in full and more importantly reported to all three credit bureaus that the account has been settled. This is considered fraud!
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX {$1500.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : PORTFOLIO {$1100.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX {$650.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX  XXXX XXXX {$130.00} ACCT # XXXX Date : XX/XX/XXXX Creditor : XXXX  XXXX  XXXX  {$120.00} ACCT # XXXX I noticed that you are reporting the referenced account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately.
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AL)

I recently reviewed my credit report and saw I had late payments reported for XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. This account is for Ally Financial the balance of the account is {$14000.00}. I was out of the country and had someone responsible for payment my auto pay via auto pay.
Consumer complaint received 2017-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

Santander is so AWFUL! I have contacted them many times to send me a pay-out of all my payments that I have paid since I had this car. I got the car in  XXXX  and still owe  XXXX  dollars, my total in the beginning was  XXXX . This is for a  XXXX   XXXX  ( I needed a car and had to do it ) But It seems like every time I pay my balance stay the same. My Maturity is  XXXX  now but when I got the car it was  XXXX . Every time I ask them break it down to me they claim someone will call be back, or they place me on hold and hang up on me.
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CT)

Previously filed a complaint with you regarding XXXX XXXX fraud attenmpt to collect {$7600.00} in fraudulent cash transfer claim. Referfernce CFPB # XXXX. 

I thought you had resolved this attempted action to tap my checking account for over {$7600.00}. XXXX XXXX issue me a new credit card in responds to my filing a complaint with you. I thought this card was cleared of the fraudulent transactions, only to find they flipped all the fraudulent transactions on to this card. they used this cards number to access my XXXX XXXX checking account for a payment in XX/XX/2023. XXXX XXXX took this payment back. They again went into my checking account in XX/XX/2023 using a XXXX " XXXX XXXX number and took out more money, which XXXX XXXX took back. 
XXXX XXXX advised me to close the checking account I've had for over 20 years as they can not stop XXXX XXXX from using the " XXXX XXXX '' numbers to access my account, as they have thousands of them. 

XXXX XXXX continued to harass me by posting false claims regarding this issue on every Credit Bureau service. Destroying my credit rating, that before XXXX XXXX attempts at Bank Robbery was over XXXX, and now in in the low XXXX. 

To add further harassment, they have turned over this fraudulent claim to a collection bureau, Jefferson Capital Systems , LLc, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I am XXXX, sick and need your help!!! Please Stop XXXX XXXX NOW! They shouldn't even be allowed in this country! They obviously are breaking the law in attacking my bank account and credit report repeatedly. XXXX XXXX has never received a cash transfer from XXXX XXXX to my checking account. For ANY amount. Not {$5200.00}, Nor {$2400.00}. These amounts were NEVER posted to my XXXX XXXX accounts!!!!!! AS I reported to you previously. 

Also do something about them ruining my credit. Is this against the law? It should be.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

It has been brought out into my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2021-01-12
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. (KS)

CFPB Complaint # XXXX Equifax sent me a letter after the above information asking me to provide proof of identity. 

I included the same proof of identity with the three attachments in the first complaint. 

Equifax needs to stop playing games and remove the fraud alert from my credit report. 

For an entire year Equifax has ignored my requests when I provide proof of identity.
Consumer complaint received 2021-01-11
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: Credit Control, LLC (FL)

I have contacted you by mail several times XX/XX/XXXX, XX/XX/XXXX. This is my final attempt to contact you through mail. I received an alert on my credit report that I have accounts that are in collections. I contacted the creditor, credit bureaus and sent a certified copy of a letter to you more than 60 days ago. I have yet to receive a response from any of you. The information that is listed on my credit report is unknown to me and it seems to be inaccurate. Placing misleading and false information on a consumer credit report without no viable evidence of any original documents of contracts with wet signature is a violation. Not being able to provide original contract documents with the consumer signature is a major violation. You are reporting a debt that is not attached to me as the consumer. I am aware of my rights and I will pursue litigation if this matter isnt resolve immediately and removed from all credit bureaus, secondary credit bureaus. I am allowing 3 business days for the removal of the inaccurate accounts. I repeat do not attempt to sell my personal information to any creditor bureau or company. If this appear on my credit report in the future I will be sure to continue my pursuant with litigation. You are the winner, believe that. This is not a threat. You have violated several laws in the FDCPA/ FCRA sections 609, 611, 807, and more I can go on and on. The account numbers are attached in a letter below in the attachments/document section The accounts that are inaccurate misleading and false. 
1. XXXX 2. XXXX 3. XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-05-27
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. (TX)

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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2021-01-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/XXXX I closed with XXXX XXXX to refinance out of a prior loan with Mr.Cooper/Nationstar. On XX/XX/XXXX funds were received by Mr. Cooper for the payoff of the previous loan but monies were not applied to the balance. When pressed on XX/XX/XXXX why the funds were not received, Mr. Cooper stated the funds were not applied to the balance as the payoff quote they issued was incorrect as it did not reflect the escrow shortage. Upon review of the copy of the payoff, it did indeed include the escrow shortage. On XX/XX/XXXX Mr. Cooper was asked again why the funds were not applied to the balance and the loan closed. Mr. Cooper responded that funds received were not enough to cover loan amount as Mr. Cooper had paid property taxes on the account on XX/XX/XXXX. Upon receipt of tax bill from XXXX town, XXXX ( XXXX XXXX  title company ) is shown as the payor for the taxes on XX/XX/XXXX. 

Mr.Cooper still has not applied the funds and will not until they receive a return check from XXXX town which may not be until XX/XX/XXXX. Until then, they're showing a payment is due XX/XX/XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.