davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (VA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (WI)

On XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX and financed it through their creditor XXXXMonterey Financial Services . The terms were No interest if paid off within 90 days. Autopay was the only payment option given. On XX/XX/XXXX I made a payment of {$410.00} dollars to be applied to the principal. Because it was an Automatic Payment, I made account for it In following months, but never realized that they were using that {$410.00} towards the monthly payments instead of toward the principal. In XXXX of XXXX, I was expecting to pay off the loan, thinking that it would be around {$1300.00}. When I checked, it was nearly {$1600.00}, with none of that {$410.00} applied to principal. Because I couldnt end autopay, I had to close that checking account. I lost my job in XXXX and had to take a job at more than XXXX  XXXX less than I made before and have been struggling to meet all my financial obligations, now. The payment was XXXX XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-06-25
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: R.M. Galicia, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I have a collection on my XXXX report that is not mine. I tried to disputing it with the company and they said account was verified, even though I have no knowledge of this account and never even paid this account one time.
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NC)

Owed money from XX/XX/XXXX. XX/XX/XXXX we settled and I paid {$520.00} to have all the debt wiped. I received a call this morning trying to collect the money that we settled on. If I had forgotten about the settlement I may have paid it. Medicredit tried to collect money I don't owe. This is no different than a XXXX company trying to collect money I don't owe. It is fraud.
Consumer complaint received 2022-11-21
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. (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 2023-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CT)

Greetings, There is inaccurate information on my consumer report that is a result of identity theft. I did not provide explicit written permission and or instructions for the identified transaction to be reported on my consumer report. There is no written CONTRACT from me, the CONSUMER authorizing the account listed below. I am requesting that the reporting information be blocked and deleted from my consumer report, immediately. My request to block is not made in error, nor is my request to block being made based on a material misrepresentation of the fact conveyed by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transactions made by me as the consumer and I have never resided at the location associated with the account listed below : CCS COLLECTIONS | XXXX XXXX, amount {$1200.00} Pursuant to fair credit laws sanctioned by Congress this information must be blocked and this transaction on my consumer report must be removed within four days from the date of the receipt of this notice. I am looking forward to your expeditious response and level of professionalism regarding my consumer rights. As verification of my identity, I have provided a copy of my driver 's license. 
Thank you,
Consumer complaint received 2022-11-28
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2023-06-24
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. ()

My Experian and XXXX XXXX  credit report is incorrect and due to this they have taken XXXX points off my credit score when it should have increased as satisfied XXXX on report.I have forwarded emails from the company XXXX XXXX to show my account was not defaulted and no late payment markers and I do not owe anything as paid till end of XXXX when I would be moving if credit score was correct .I have also forwarded XXXX satisfaction letters
Consumer complaint received 2023-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (IL)

XXXX This written correspondence is in reference to an account listed on my credit report that I did not open, and was opened up fraudulently. The account is identified as XXXX XXXX, with Balance of {$5000.00} USD. 

I have requested that the company remove this item from my credit report and disputed the account as fraudulent. CACi the collections company has only increased the balance on my report to now {$5000.00}. 

This account was opened as a result of identity theft.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc. (GA)

XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
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. (AE)

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally REVOKING, REMOVING and OPTING-OUT of any and all authorizations, I the consumer XXXX XXXX XXXX XXXX have given Opp Loan, written, unwritten, verbal and nonverbal per 15 usc 6802. Account : XXXX, XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests and filing a FTC Fraud report. My demands as federally protected consumer have been ignored. Currently EXPERIAN, XXXX, XXXX, XXXX are in direct violation of my federally protected rights, by which I have numerous attempts of exercising my right to privacy and accurate data furnishing.
Consumer complaint received 2023-06-15
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. (TN)

Dear, Consumer Financial Protection Bureau, I am writing to bring to your attention my ongoing issue with XXXX XXXX and XXXX XXXX. For the past year, I have been attempting to obtain written verification of a debt that these companies allege I owe. Despite sending multiple written requests for proof that the debt is my obligation and that it was me, and not someone else, who opened accounts in my name, I have yet to receive the documentation required to be provided under the Fair Credit Reporting Act ( FCRA ). 
I would like to note that these letters requesting information were sent through the CFPB and my attempts to obtain this information are easy to document. 
Under Section 609 of the FCRA, a consumer reporting agency is required to disclose to the consumer all information in their file within five days of receiving a request for such information. As of today, I have not received any such documentation from XXXX XXXX or XXXX XXXX. 
Furthermore, I would like to bring to your attention the liability of the credit bureaus for continuing to list these items in violation of the law. Under Section 616 of the FCRA, any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would like to make it known that legal action will be taken against all parties who are in violation of the law if these accounts are not removed immediately. I also request that any other statutes or language that might be helpful in resolving this matter be included in your response. 
Thank you for your attention to this matter.
Consumer complaint received 2023-06-23
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: LEXISNEXIS (TN)

The United States Bankruptcy Court does not release any information to the credit bureaus and is not responsible for verifying information or validating information from consumer credit files. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) my rights are being violated under the law. Remove this bankruptcy immediately.
Consumer complaint received 2016-09-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

After I completed XXXX I moved to the XXXX area after XX/XX/XXXX to help out afterwards. I worked in XXXX and the XXXX services since then until I started as a XXXX. Currently, XXXX. XXXX. I submitted a loan modification application to Ocwen to modify my FHA mortgage and Ocwen did not make a decision on the modification application. Ocwen claims the home was sold at auction on XXXX without evaluating my loan modification application to modify the FHA loan. I lost the job that I had XX/XX/XXXX when I borrowed the mortgage from a company that sold it to GMAC. GMAC went bankrupt and now Ocwen is the loan service provider. I searched diligently since I lost my job XX/XX/XXXX but am not able to find employment, but I am a XXXX with student loans. The FHA loan was discharged in a bankruptcy in XX/XX/XXXX and I continued to make payments until my retirement account was empty.
Consumer complaint received 2020-12-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Consumer Loan ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MI)

SOUTHWEST CREDIT SYSTEMS , L.P . 
XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX To : The Office of Registered Agent for SOUTHWEST CREDIT SYSTEMS , L.P . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

We have filed complaints each year about Select Portfolio Servicing not applying our payments in the past. 

This year we fell behind and tried to call them to pay our mortgage. On XX/XX/XXXX we inquired about reinstating our mortgage. They told us it would take {$7200.00} to reinstate our mortgage by XX/XX/XXXX. 

We tried to call today to pay the amount ( XX/XX/XXXX ) well before their deadline and they have now stated they will not take the payment. We have to wait until they give us a reinstatement amount which they gave us on XX/XX/XXXX which we have tried to pay. They are stalling until the date now to force us into foreclosure. We had a witness to this conversation who can sign an affidavit. The witness helped us modify our mortgage in XXXX and is a state agency that works to help people stay in their homes.
Consumer complaint received 2022-11-21
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. (NV)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2022-11-14
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. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dealer Finance of Western Kentucky (KY)

I have several late payments on my credit report from dealer finance of western Kentucky. I put in a dispute through XXXX XXXX but nit satisfied with the results. Will you PLEASE check into each month and make them show you why they're showing 30-59 days late when that isn't the case. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. XXXX XXXX and XXXX. Thank you!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.