davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (GA)

This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & XXXX  ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of XXXX} in damages per violation for : XXXX XXXX Defamation XXXX XXXX Negligent Enablement of Identity Fraud XXXX XXXX Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) XXXX XXXX Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NC)

Payment was sent as usual. Last month it took only 3 days for payment to clear after mailing. This time it took over a week with payment posting one day after due date triggering fees. I always pay before due. XXXX refused to adjust for the delay in posting my payment. I disputed the fees and requested an appeal. They stated they had a right to charge the fees. I disputed their timeliness of posting my payment. We are at an impass and they continue to add fees every month now totaling {$160.00} Ive been a card holder for approximately 30 years with the bank administering the card card changing several times. XXXX by Goldman Sachs has to be the worst.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

So, TransUnion sent me a letter yesterday XX/XX/XXXX, stating that all the accounts I questioned about on my credit profile are verified as accurate, when I know 100 percent, they do not belong to me. After trying to get a copy of my credit report from their website, I noticed that I am unable to get this. Not the first time this has happened. I chose the option to speak with someone from chat to find out why I couldn't see my report. Come to find out, the operator XXXX informed me, that my son and i have mixed credit profiles. I have told TransUnion this many times before, and they have continued to tell me everything is accurate and verified! Never have they did the investigation that was asked of them, never provided any information on how these items have been verified, and 100 percent lied to about the question items on my credit report. My son and I both have the same first and last name, and same birth month. Which easily explains how they could have gotten combined and mixed up. All I ever asked was for them to correct this and remove these items. I have attached the conversation from this morning with TransUnion rep XXXX. He made the mistake of admitting that my son and I have combined profiles and deleted the part that he said that was the reason I can't access my profile. I asked about it a few times and also says that if I call in, TransUnion will remove the mixed files. Simple enough! I want to make sure they get removed by posting this here. I don't mean to get XXXX in trouble but I cant continue to have my credit destroyed because of TransUnion. 


Before I escalate this even further, please remove the following accounts and hard inquiries from my credit report IMMEDIATELY! Send me an updated credit report with these items removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Meritize Financial Inc. (IL)

Dear Sir/Madam, I am writing in response to, in which you responded to a complaint filed with the CFPB under the name XXXX, which is not my name. It appears there may have been a misunderstanding or error regarding the identity associated with this inquiry. 

I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with Meritize, nor did I provide consent for the use of my personal information in such a manner. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. 

Furthermore, I dispute the accuracy of your statement that an application was initiated by me on XX/XX/year>, as I have no record or recollection of such an action. Any purported verification process or conversations with your agents regarding this application were not conducted by me, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent. 

I respectfully request that you provide me with any documentation that support your assertion that I initiated an application or provided consent for the use of my personal information. Additionally, I request that you cease any further inquiries or use of my personal information without my explicit consent. 

Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, and I will take further action if necessary to protect my rights and interests in this matter. 

I look forward to your prompt response and resolution of this dispute. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy Federal Credit Union is refusing to RELEASE the {$180.00} ( XXXX XXXX XXXX dollars ) CASH I deposited on XX/XX/22. 

Cash was deposited, NOT money order or check, so there is NO reason WHY these funds are not made available IMMEDIATELY. 

I need to pay a bill, and I am being prevented from doing that because Navy Fed is holding my money HOSTAGE. 

I think that this is THEIR way of discouraging me from banking with them further, and it is a very XXXX policy ( I am XXXX XXXX
Consumer complaint received 2023-01-20
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX credit union : # 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 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 vears.
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 2023-01-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I acquired my credit bureaus to check anf make sure everything was complete and accurate according to 15 usc 1681 ( i ). 

I waited XXXX  days and I haven't recieved nothing here is my tracking number # XXXX. It has been over XXXX days. 

And XXXX more thing, Experian, XXXX, and XXXX didn't record the current status of the account being in the disputed status. 

Experian, XXXX, and XXXX is holding me back from getting a new house and car. This is very fustrating, because I am trying to improve the life of me and my family and Experian is not doing its job according to the law.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-01-15
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. (MD)

The following accounts on Equifax reports have factual information that conflicts with XXXX and XXXX reports : XXXX : a ) Equifax lists the account as 30, 60 & 90 days late in XX/XX/XXXX & XX/XX/XXXX ; & XX/XX/XXXX ; XXXX & XXXX show pays as agreed, never late. b ) Account closed indicates XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX lists account not closed. c ) Date of last activity, shows no date of last activity, XXXX says XX/XX/XXXX, XXXX says no date of last activity. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Equifax lists the account as 30 & 60 days last in XX/XX/XXXX & XX/XX/XXXX ; XXXX indicates XX/XX/XXXX & XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Account type shows credit card, XXXX says line of credit. 

XXXX XXXX XXXX Account XXXX XXXX : a ) Equifax lists the account as 30 days late in XX/XX/XXXX ; XXXX indicates 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Date of last activity shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says no date of last activity.
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I obtained my credit report and and on XX/XX/XXXX I asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited XXXXdays and as of XX/XX/XXXX The consumer reporting agencies XXXX, XXXX and Experian have not responded nor did they remove anything. 

Per the law U.S. Code 1682a : Definitions, rules of construction, The term investigate consumer report means : A consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete the investigation?
Consumer complaint received 2016-06-16
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MI)

I filled a complaint before seeking some documents from US Bank. I have since received such documents. This complaint is as a result of the information in the documents. 
====== I got a balloon mortgage in XXXX XXXX for {$290000.00} at 4.5 % with monthly payments of {$1400.00}. US Bank is the mortgagor. In XXXX XXXX, the balloon amount/remaining principal in the amount of {$250000.00} was refinanced at 6.135 % with monthly payments of {$1700.00} and the last payment was due on XXXX/XXXX/XXXX. 

The terms of the loan was changed without my knowledge or consent sometime after XXXX XXXX by US Bank - monthly payment was increased and loan maturity date was also changed to XXXX/XXXX/XXXX. 

Also, between XXXX and XXXX, my principal balance went from {$290000.00} to {$250000.00}. However, from XXXX to present, my principal balance only went down rom {$250000.00} to {$240000.00}. I know the interest rate went from 4.5 % to 6.135 %, but interest rate alone does not explain this minimal drop in principal. 

I have attached documents showing - Original balloon loan in XXXX for the numbers indicated above. 
- The XXXX refinance showing the figures indicated above. 
- The XXXX XXXX mortgage statement that shows my maturity date of XXXX, principal balance and monthly payment amount. 

Meanwhile, I applied for loan modification and was offered a XXXX loan with payments of $ XXXX. Also they may foreclose on the house. 

I seek a modification of my mortgage, balance and monthly payments reflecting the agreement I signed in XXXX. Also, I want to keep my house. 

Thank you.
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The company XXXX XXXXXXXX XXXX has caused a number of problems on my consumer report. 

XXXX XXXXXXXX XXXX is in Violation of 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form. 

there are a number of inaccurate things reporting on my consumer report from them as they are violating 15 usc 1681s. they have a responsibility to make sure they are reporting accurate information to the credit reporting agencies and they have failed to do so. 

the following items are inaccurate and are causing me damage and economic harm : First and Foremost what is the date of first delinquency? 15 usc 1681s-2 ( I ) ( 5 ) states you are to provide the date of first delinquency to the credit reporting agencies and they have not provided it to me. 

The date of last payment is not consistent with the the CRAs. XXXX is reporting XX/XX/XXXX and Experian and XXXX are reporting XX/XX/XXXX. If this information is coming from you then it should be the same The date last active is not correct. Between the 3 credit reporting agencies they are all reporting something different. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX ( they illegally reaged this account. XXXX is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations Experian and XXXX are saying this account is paid while XXXX is saying it is derogatory These errors being reported on my credit report are artificailly damaging my XXXX Score and you can be held liable for Violations under the Fair Credit Reporting Act if you are non compliant in this investigation. Fines could be up to {$1000.00} per error or more subject to my state. 


If this issue is not resolved i will be taking XXXX XXXX to arbitration as i have the right to do so in our original credit card agreement for damages of the fair credit reporting act. i will be using the XXXX XXXX XXXX on my behalf
Consumer complaint received 2023-01-14
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. (GA)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l. (GA)

I had an account with XXXX XXXX XXXX XXXX XXXX. They were billing me on a monthly basis. I was not satisfied with t he service and attempted to cancel the service. They continued to draw money out of my account. I cancelled the credit card and that was being billed. Three months later they called me to try and collect for a past due amount. I told them at that time that I wanted to cancel and then they told me that I was in a contract and could not cancel. I had never agreed to that. I told them that I did not owe them and that I wanted to cancel. 

I received a call last week from a collection agency called XXXX XXXX XXXX trying to collect on this debt. I explained to them the problem and they stated that they will continue to try and collect. I have now received a letter from the requesting payment. m This debt is not valid and I want them to remove it from my credit report and also stop all forms of communication.
Consumer complaint received 2024-02-22
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. (TX)

Companies continue to violate the consumer protection act I'm an XXXX man and these harms and willfully knowingly and XXXX XXXX  has caused tremendous harm these items need to be removed or correct to reflect non adverse and non derogatory remarks on my consumer report and these companies need sanctions and injunctions and ordered relief urgently as this is an emergency restraint of trade breach of fiduciary duties as well as anti trust violations!
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.