davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MI)

I have found no recourse with ERC and their deceptive collection practices. 

I had no idea about this alleged debt, {$930.00}, until I obtained a copy of my credit reports. Which means, I was never given the chance to dispute it within the 30 days of notice. 

I have requested validation at least 3 times 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX ... ... ... .and have every request saved. ( see attached supporting XXXX ) They send me copies of an old bill, addressed to a person with a similar name. ( see attached supporting XXXX ) If they continue to ignore my request for validation, I have no choice but to bring about legal action against both this egregious company and the Reporting Agencies -- who fail to provide the method of validation with this ERC 's claim that the debt is, indeed, collectible and reportable. 

For one, these ERC agents aren't using my correct name to collect this debt. Second, the packets they keep sending me, for whomever this debt belongs, have a time-barred status. 

I've contacted the original creditor as indicated on my credit reports in an attempt to resolve this matter. They have no record. I have not accepted any more mail from ERC because they are not mailing it addressed to the correct person. 

Until ERC provides documentation as outlined in the FDCPA that proves this as a valid debt, and belongs to ME, then at that moment, as the alleged owner of this time-barred, alleged debt, I'll execute my duties as a responsible consumer and request that they stop reporting on my credit account. Until then, I will contact every entity that holds records in reference to ERC 's business practices.

*** UNDER ANY CIRCUMSTANCES I REQUEST THE CFPB NOT REMOVE THIS COMPLAINT. REGARDLESS OF ANY OUTCOME***
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

Incident Details : - XX/XX/year> - XXXX XXXX Amount {$0.00} - Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft.

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- XXXX that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2020-12-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the XXXX data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.
Consumer complaint received 2020-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, I submitted a dispute to TransUnion concerning two hard inquiries that were made on my TransUnion credit report on or around XX/XX/2020. These hard inquiries were made by " Finwse/XXXX '' and " XXXX '' I informed TransUnion that the reason for my dispute was that I " [ d ] id not authorize and do not recognize '' these hard inquiries. 

On XX/XX/2020, TransUnion sent me what appeared to be a generic template letter that essentially instructed me to reach out to " XXXX/XXXX '' and " XXXX '' if I wanted to pursue any dispute. 

On XX/XX/2020, after giving TransUnion more than sufficient time to respond, I again contacted TransUnion regarding the disputes and pointed out their obligations under the FCRA when they received my disputes. In response, TransUnion again sent me the same generic template letter that essentially instructed me to reach out to " XXXX/XXXX '' and " XXXX '' if I wanted to pursue any dispute. 

I am being told by lenders that these inquiries showing up on my credit report are the reason that I am being denied loans. I am being harmed by TransUnion 's wilful failure to do their job. 

I am now reaching out to you for assistance.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

On XXXX XX/XX/2021 I filed a complaint against Specialized Loan Servicing, complaint number XXXX. 

They responded on XXXX XX/XX/2021. Their response was, that the account was paid in full on XX/XX/XXXX, XXXX and they were in the process of refunding {$100.00}, for the six days from the closing date of XX/XX/2021, to the payment in full on XX/XX/2021, and the late fee of {$71.00} will be refunded. 

First, I got a XXXX mortgage bill on XXXX XX/XX/2021. Second, as of date, I have NOT received my refund, and third, nothing has been reported to the credit bureau that my account is paid in full.
Consumer complaint received 2020-03-04
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: WELLS FARGO & COMPANY (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (PA)

i already submitted a complaint - number XXXX i was called by wells fargo on XX/XX/20 and XX/XX/XXXX and was left a voice message by XXXX XXXX ? 
I called the direct number for XXXX back on XX/XX/XXXX, XX/XX/XXXX and XXXX and left detailed messages. i have not received one call back.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

XX/XX/2020 at XXXX XXXX PST, Twice I tried to speak to a rep at XXXX for statement requests that I also emailed about earlier this month for beneficiary to get housing application completed. When I chose option 4 response : " max # attempt '' and phone hung up. 

Please see email attached from XX/XX/2020 in which XXXX XXXX explains I need to call them at above number to request statements.
Consumer complaint received 2020-12-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (TX)

I have vehicle loan through Westlake financial. Iwas in an accident on XX/XX/XXXX, and my primary insurance considered the vehicle a total loss. From XX/XX/XXXX through XX/XX/XXXX i was not able to get through to Westlake financial insurance dept . It wasn't until i started getting collector calls that i was able to get transfered. But even then i kept getting hung up on, the only time i actually got through would be when i got transfered supervisor to supervisor. But after a few times of that, the operator would siply not transfer me to anyone and just hung up on me. 
My primary insurance was ready to pay out 2 weeks after the accident. But i wasnt sure if i wanted to keep the vehicle or not. My desicion would be based on how much i would have to pay. ( whether or not my gap insurance would still be accountable and to what extent, since i was never given a copy of the contract ). 3 times i got through to insurance dept each time i was given a different response. 
A ) that no it wouldn't be responsible B ) that it would pay the the equivalent of 5 payments C ) that it would pay the remainder from actual value report from primary insurance. 
Since the answer kept changing i asked for this information in writing to be sent to me in writing. But recieved 3 different payoff letters with different payoffs on each, each one being less than the one before. Its been 4 months now and i still cant get through when i call, but the collection calls dont stop. 
Only now the operator always has a taunting/smirky voice as if to laugh at me and will not transfer me to anyone. I know that they have made changes to my contract without notifying me beforehand such as removing the warranty. And never notified me in writingn, but an operator let it slip.
Consumer complaint received 2022-09-30
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. (AZ)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed : {$2400.00}
Consumer complaint received 2022-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XXXX XXXX : Pursuant to the CFPB XX/XX/XXXX Consent Order, I have attached a letter and proposed settlement of my case for your review. 

I previously wrote to you about the corrupt litigation being advanced in XXXX XXXX, Texas by XXXX XXXX attorneys who ignored bankruptcy laws, drafted fake orders and forged and fabricated documents to steal my property for XXXX XXXX. 

You never responded to my concerns and evidence and I am writing again pursuant to the CFPB Order. 

Please respond to my XX/XX/XXXX offer of letter and apprise me whether XXXX XXXX wants to settle this case. I have provided a XX/XX/XXXX deadline to settle all claims. 

Also, to remain transparent, please provide this attached letter, proposed settlement and attached " Exhibits A-N '' to the XXXX XXXX XXXX of Directors and XXXX XXXX XXXX XXXX. 

Respectfully XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX reported my account with XXXX XXXX as closed then opened the account back up on my report without my consent and I opted out of XXXX XXXX  reporting my personal information and they are still proceeding to share my personal information violation under the privacy act of 1974 and a violation to the FCRA unfair and inaccurate reporting please make sure the company does an investigation thoroughly to acknowledge my claim I hereby claim that the foregoing statements are true an correct under the penalty of perjury
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-09-30
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. (NJ)

Upon reviewing my reports, incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  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  Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Good morning, After a long relationship with Wells Fargo we have reached the point that we are totally disgusted with the treatment we are receiving. The straw that broke the camels back is a NEW {$30.00} service fee assessed to our checking account from the Wells Fargo Bank at XXXX XXXX XXXX XXXX. XXXX because our balance, for the first time ever, declined below {$25000.00}. We have NEVER received notification, by mail or in person, that this NEW and usurious fee would be assessed. While we plan to deposit funds in our account to bring the balance to {$25000.00}, until we have an opportunity to re-direct monthly pension and Social Security deposit transfers to our other banking relationships, and then close our accounts, we ask for your intervention in obtaining a refund for the {$30.00}. We are hopeful that you will give this important matter your prompt attention. 

Respectfully, XXXX and XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company Portfolio Recovery Associates has fraudulently placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company multiple times that this account is not mine as I have not signed a contract with them and the debt does not belong to me. This account is fraudulent and was made without my consent. They have sent no verification of debt or requested paperwork. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Portfolio Recovery Associates is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. This account need to stop reporting against my social security number and be removed immediately from my credit report.
Consumer complaint received 2020-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2020-12-27
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: Experian Information Solutions Inc. (NM)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.