davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
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. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (UT)

On XX/XX/2023 I viewed my XXXX consumer report and found an account that was reporting and harming my creditworthiness as a consumer. On XX/XX/2023, I sent a notice of dispute to the alleged creditor pertaining to the information that was included in my consumer report. I used the address that was on my XXXX report and my certified letter was returned to me due to address not known. I am sending my notice of dispute here and have attached the letter that was sent. From CKS PRIME INVESTMENTS LLC, I am requesting any and all communication that was sent to be mailed to the correct address as provided in the attached correspondence to this complaint.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TRANSUNION CONSUMER DISPUTE XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX PERSONAL INFORMATION AFFIDAVIT To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 10 ) years. 

My correct name is XXXX XXXX XXXX, please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX OH XXXX and I have resided here for 10 years, remove all other addresses that I have never lived at or may belong to a relative, they are not accurate, remove them IMMEDIATELY ... XXXX XXXX XXXX XXXX OH, XXXX My current telephone number is XXXX, please remove all other numbers IMMEDIATELY, they are not accurate. ( XXXX ) XXXX, ( XXXX ) XXXX
Consumer complaint received 2023-10-02
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. (FL)

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. 

Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a 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 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Its showing this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as open but it was part of Bankruptcy and should be closed and removed off my account. The see Court Petition attached below
Consumer complaint received 2023-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and an update because they were reported incorrectly in my file. Please fix these, ASAP. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Trott Law, P.C. (MI)

Account # XXXX To whom it may concern at the CFPB office, I can prove the Predatory Lending Fraud, Mortgage Fraud, Foreclosure Fraud, and Evictiction Fraud. As well as the Fraud at the XXXX. XXXX XXXX, The XXXXXXXX XXXX XXXX. and Trott Law. 
Predatory Lending. A $ XXXX mortgage on a house that appraised at $ XXXX in XXXX. Even now the house appraised value is $ XXXX XXXX reply is also an admission to Mortgage Fraud. with the reference to the balance of {$2500.00}. XXXX then decided to add an amount on top of the balance enacting a HAMP program that has no approval from XXXX or XXXX XXXX. Especially in XXXX I also feel this XXXX 's admission to Foreclosure Fraud. XXXX had a copy of the death certificates. Sending back the {$2500.00} pay off check, letting me assume the mortgage. but foreclosing on my dead parents for $ XXXX on a $ XXXX house. 
And finally, I believe now I can also prove the Eviction Fraud, The fraud at the XXXX XXXX XXXX, the fraud at the XXXX XXXX  and the fraud at Trott Law. 
On XX/XX/XXXX I was mowing the lawn on my home and side lot that I inherited from my deceased XXXX XXXX XXXXr. The estate went through probate, I was awarded the estate and registered it withThe Registrar of Deeds in XXXX. 



A few XXXX police officers showed up to my house around XXXX XXXX as I was inside my side lot. they told me they had a call from the balliff that they had said I threatened the bailiff. I said what do you mean I am mowing the lawn. The police then wanted me to come out of my fenced side lot .I asked them if they have an arrest warrant? What is your probable cause? The police didnt answer. 



More police started to appear all around my home and side lot stating they wanted to talk to me about the threats I made to the bailiff. I told them I didnt know of any bailiff Im mowing the lawn. If you dont have an arrest warrant I dont have anything to say and get off my property, At this time more XXXX police officers started showing up outside my fenced yard. 

The on duty Sgt.? came with bolt cutters, He cut the lock off the gate to the side lot XXXX XXXX. I have pictures and videos of him. 

The Sgt and a few other uniformed police officers attacked me and put handcuffs on me and dragged me to the police car. 

The police then broke into my home of XXXX years and had animal control take my dogs and impounded my car out of the driveway. 

I was then lodged into the XXXX XXXX XXXX for XXXX hours as I was at the XXXX XXXX XXXX the police supervised while all my possessions were loaded into XXXX dumpsters and locked me out of my house. 

During the finger print process. The officer that rolls my finger across the scanner. Rolled it on a sharp edge of the reader. And caused a very serious XXXX. I went to the XXXX. 3 times and finally had to have XXXX to remove the XXXX from my thumb.
Consumer complaint received 2018-05-02
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. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-09-12
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (DE)

I called PNC last week and disputed a transaction for {$92.00} dated XX/XX/2023. So far there have been no issues with the dispute piece. However, I specifically asked to not append a Compliance Condition Code ( CCC ) to my account and to not have the CCC reported. Then, on XXXX, PNC furnished an XXXX-related CCC pertaining to my dispute.
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 — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX Santander Consumer USA Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Consumer complaint received 2023-05-02
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. (MS)

There is a discrepancy of a late payment for my XXXX account. For my XXXX and Transunion account, it is stating that I was 30 days late only in XXXX. However, for XXXX, it is stating that I was late 30 days in XXXX only. Also, there is a discrepancy in the balance of my loan amount. For Transunion and XXXX, it is showing a balance of {$19000.00}, but for XXXX the balance {$19000.00}.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (HI)

When using Paypal Credit, no interest for 6 months promotions on purchases over {$99.00}. 
" Amount to avoid Standard and Deferred Interest '' is not detailed anywhere. It is difficult, if not impossible, to know how your payments are being applied to these balances, and which purchase balances are still outstanding.

When you look at your account online or the statements, these do not show the outstanding charges or balances for each promotional purchase. When you call Paypal to ask, the agents are also unable to tell you these details. 

If you miss paying off a balance in full, these balances are hidden from you online and in the statements. You can not determine which balances are remaining. 

It is extremely difficult to manage paying off the balances resulting in interest charges being charged to your account.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo never had a legal binding contract with me. They failed to disclose certain information in the TRUTH IN LENDING DISCLOSURE. They failed to tell me i was giving power of attorney over my financial assets and i have all the proof and evidence. I have made this final complaint to PUT WELLSFARGO ON NOTICE THAT I WOULD LIKE TO TAKE THIS MATTER TO ARBITRATION OR CIVIL COURT. If more information is needed please call.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

XX/XX/23 : My Citi bank 's Custom cash card ending in XXXX was compromised and was unauthorizedly charged {$170.00} by XXXX XXXX XXXX. 

XX/XX/23 : After receiving notification of the charge, I immediately called Citi Bank and informed them of the unauthorized transaction. 

Citibank reversed the charge and issued me a new credit card. 

XX/XX/23 : Got a letter from Citibank asking me to sign and confirm the unauthorized transaction. Case id : XXXX XX/XX/23 : I signed and emailed the letter sent by Citi and confirmed that it was unauthorized. ( email attached ) XX/XX/23 : Citibank closed the investigation and ill-judged that it was a valid charge. ( Letter attached )
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp. (NV)

On XXXX XXXX my XXXX  XXXX XXXX  was repossessed for late payments according to Stellantis Financial. However my vehicle was taken from a closed locked gated complex. The repossessor committed a breach of peace which is illegal. I live in a private area where there is a gate code needed, the office was closed so I am very concerned as to how they were able to either break through the gate or trespass through the property. On private property a repo agent can not open doors, gates, fences or any other barrier between themselves and my vehicle. I value my privacy highly and I insist my legal rights are respected and as guaranteed to me under state and federal laws. This notice is to formally notify you that my rights has been violated and I do plan to forward this to the attorney general if you do not wish to resolve this amicably.
Consumer complaint received 2023-09-12
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. (GA)

XXXX XXXX never had a legal binding contract with me. They failed to disclose certain information in the TRUTH IN LENDING DISCLOSURE. They failed to tell me i was giving power of attorney over my financial assets and i have all the proof and evidence. I have made this final complaint to PUT XXXX ON NOTICE THAT I WOULD LIKE TO TAKE THIS MATTER TO ARBITRATION OR CIVIL COURT. If more information is needed please call.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
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. (GA)

XXXX XXXX never had a legal binding contract with me. They failed to disclose certain information in the TRUTH IN LENDING DISCLOSURE. They failed to tell me i was giving power of attorney over my financial assets and i have all the proof and evidence. I have made this final complaint to PUT XXXX ON NOTICE THAT I WOULD LIKE TO TAKE THIS MATTER TO ARBITRATION OR CIVIL COURT. If more information is needed please call.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

*DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE * I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion report. 
Please verify or remove immediately the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete these accounts. 

Also the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS NOT LATE AND HAS NEVER BEEN LATE. PLEASE CORRECT AND UPDATE ANY LATE OR MISSED PAYMENTS ASSOCIATED WITH THIS ACCOUNT IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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 XXXX days of receipt of this letter. 
Thank you for your time and help in this matter. 

Subject : UNAUTHORIZED INQUIRIES-DISPUTE ( DELETE/REMOVE ) I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/XXXX, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611. 15 U.S. code 5 1681b- Permissible purpose of consumer reports. 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. 1681 Section 602 A. States I have the right to privacy. These inquiries were not authorized by me and I would a full investigation and documentation of who may have requested these credit pulls. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 

*DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE * REMOVE/DELETE FROM MY REPORT IMMEDIATELY
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.