davidheineman/consumer-finance-complaints-large huggingface dataset:
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-10-05
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. (NJ)

As a consumer of the United States, I sent Experian a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on several accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX : XXXX, XXXX XXXX:XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. As mentioned above a copy of a billing statement is not physical verification. The two companies i just mentioned that pay for services have not furnished me any sort of documentation within the allotted time frame at all. Delete this negative information from my consumer report. STOP using stall tactics. You have my permission and have been had my permission to look into these accounts which is what I instructed you to do in my formal complaint. YOU KEEP CHOOSING TO BREAK THE LAW. Ive sent multiple letters regarding me and me only which is XXXX XXXX. Your time is up by law and you have to delete these fraudulent negative items from my report that you should of been deleted.
Consumer complaint received 2021-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a mortgage through citizens one. I have been furloughed from my job at our local XXXX in XXXX Pennsylvania since XX/XX/2020. I have never missed a payment. In XXXX and XXXX Pennsylvania had issues where they could not pay unemployment for two months. After I paid my XXXX payment I contacted my bank and asked to be put on the Covid relief for three months. I was told I was the next month I got a late fee and was told now theyre gon na put me on it. Again the next month I got a late fee and again was told they were going to put me on it. Now Im in the third month now Im getting threatened of to get in the house taken away even though Im supposed to be on the Covid relief with my fha loan. I am beyond upset I have contacted my mortgage company several times about this issue since I signed up. Each time its the same thing and I keep getting more letters from my bank. My next step I will want to call an attorney and I think I have rights to sue them for all this because Ive done everything Im supposed to.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

I canceled my auto insurance with XXXX in XX/XX/XXXX, then they sent me a closing bill covering the final month of coverage which they informed me I would not be charged. I believe it was XX/XX/XXXX I noticed a collection from AWA Collection service and I contacted them regarding collection and they said it was for XXXX ( XXXX XXXX XXXX XXXX ). I contacted XXXX and they could not find any collection for me. I recently saw on my credit report the collection is still there and it showed the reason my score was lower and AWA added to the balance. I do not owe any funds and they are not removing the false charge and they are adding to the alleged amount owed. I hope you can help, my credit score is near 800 and I must keep it there, I always pay my bills, but I do not owe this one.
Consumer complaint received 2021-10-05
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 (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services (FL)

I mailed a certified letter to BAS management stating for proof of the so call hospital or doctor 's office that provided service for a XXXX XXXX. This company email me a bill which is not proof of the hospital/doctor that claimed I had this service done. I do not know of such a service that was conducted in XXXX ( per billing statement ). Also, whomever is claiming this payment never mail me any bill except the bill that BAS management mailed me on XX/XX/XXXX, which is the so call proof. Also, I live in XXXX, XXXX reader is in XXXX. I never reside or visited XXXX for any medical service. Never ... .please assist with resolving this issue. Thanks in advance.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (OH)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Saxon has committed numerous violations pursuant to federal law against me ; below are some of the violations such as 15 USC 1605 : I am being charged an APR, home insurance, I was charged a down payment and had to pay taxes and fees all which should have been included in the finance charge. I was not advised of my right to rescind- 15 USC 1635. They have committed four counts of 18 USC 1028A. 15 USC 1692e they have presented false statements, forms and contracts in an attempt to collect an alleged debt. They have violated 12 USC 1831n ( a ) ( 2 ) ( A ). They have continuously violated 18 USC 1341 by sending statements every month stating that I owe for an alleged debt. Saxon has attempted to make me believe that they loan me credit which they are not able to do and according to 12 USC 1431 they are in fact the borrower not me as they have not loaned me anything also the alleged debt is not my obligation according to 18 USC 8. 15 USC 1602g informs me that I am the original creditor not Saxon. The alleged debt has been furnished on my credit report which is a violation of 15 USC 1692b ( 2 ).
Consumer complaint received 2021-03-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

We were restructuring our finances during the Federal Government shutdown of XX/XX/XXXX - XX/XX/XXXX. We have detailed exactly how we were impacted in two detailed letters ( copies attached ). Most credit card issuers understood our issue and made changes to their data submission. Some didn't even submit a report of delinquent payment to Credit Reporting Agencies. We were told by representatives of this band and our own bank that the shutdown would not affect our credit record. Despite repeated attempts, we receive that standard form response. Their response is a couple of " catch all '' blanket responses to make it look as though they have conducted and investigation.
Consumer complaint received 2021-10-04
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a fraudulent account reporting on my Transunion credit file. I have tried to have it rectified with Transunion and they are still reporting the fraudulent file of XXXX XXXX XXXX.
Consumer complaint received 2020-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

Took a loan for {$3100.00}, 1st payment XX/XX/XXXX. Automatic draft. Paid on time {$350.00}. Paid 9 months. I checked balance of loan 9mos later, XX/XX/XXXX and was was +-XXXX higher and said pmt was late -NEVER ... WAS ON AUTO DRAFT SINCE 1st pmt. THEYRE EITHIR INCOMPETENT IN BOOKKEEPING OR  INTENTIONALLY GOUGING CONSUMERS. I RESEARCHED SCAM REPORT WEBSITE _ THEY HAVE NUMEROUS OTHER SIMILAR COMPLAINTS. 

These type of outfits need to be SHUT DOWN ASAP to protect the public! 

I have documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell/Text : XXXX XXXX Count the payments already made {$350.00} times 8 Mos pmts against the principal.
Consumer complaint received 2020-06-10
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. (NY)

Experian has once again added an account onto to my credit report without providing notice 5 business days prior to reinserting item. Section 1681 violation of FCRA rules. 

Account name ; portfolio recovery and associates. Original creditor XXXX XXXX. 

Neither Experian or portfolio recovery and associates can either validate or verify this account. A violation of fcra rules section 1681
Consumer complaint received 2021-03-14
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following items are reporting inaccurate information on my credit report and are in violation of Sec 15 USC 1681a ( 2 ) ( b ) 2021 IRS publication 4681 Please REMOVE the following item XXXX XXXX XXXX  This account is in violation and should be removed immediately
Consumer complaint received 2021-10-04
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: DISCOVER BANK (PA)

Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX Street Location : XXXX XXXX XXXX XXXX City & State : XXXX , PA XXXX To : DISCOVER FIN SVCS LLC Address : XXXX XXXX XXXX City & State : XXXX XXXX DE XXXX Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT DISCOVER FIN SVCS LLC Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX , A XXXX, non-Adverse, XXXX, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents. 
DISCOVER FIN SVCS LLC is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
DISCOVER FIN SVCS LLC have reported to XXXX, XXXX, and XXXX a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2024-03-18
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. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (GA)

On XX/XX/2021, a Google Play gift card was purchased in the XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX. When the card was gentle scratched off, NOTHING was there. XXXX is selling FAKE products for Google. when the XXXX store was contacted, both the store and XXXX headquarters basically told me to " GO TO XXXX! '' XXXX sent a clear message - three times - that they do not care about their customers ; NOR do they care about customer service. When we tried to call the Google Play card number, a recording stated that it was NOT a good number and no longer in service. When we tried to contact Google thru four of their websites, ALL of them were fraudulent and would not allow customers to report fake/fraudulent merchandise that they are selling to the public. THIS IS CONSUMER FRAUD and a FEDERAL CRIME! Both, XXXX and Google should be held accountable. There are several websites of many thousands of customers listing their stories and who have experienced the same fraud by XXXX and Google.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (FL)

After I received this loan, once I tried to view the billing statement I have no ability to see my balance, interest, payoff criteria, nor any other pertinent data regarding the financial account of this loan. I have no ability to ensure that I am not being overcharged nor payoff or transferring this loan to another provider.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (NY)

An account was at Wells Fargo & Co was fraudulently opened in my name, XXXX XXXX Checking Account # XXXX I called the number for personal checking account fraud XXXX and waited over an hour and spoke to 2 different customer service representatives that passed me on to wait more. I am still trying to contact Customer Advocacy XXXX with no success. 

I have a fraud alert at XXXX, XXXX XXXX and XXXX. I believe Wells Fargo is required to contact me before opening an account.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called the credit reporting agencies and let them know the inquiries in the documents below are not suppose to be visible on my consumer report. I never gave permission for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is considered aggravated identity theft.
Consumer complaint received 2021-10-04
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. (NY)

I am summiting this complaint by myself and with no help from any professional. I have been reading and studying about consumer laws and our rights. 
After all the studying and research I have done I have been applying my rights to all appropriated institutions that had violated my rights, therefore I am summitting this complaint right now to Equifax , INC . 
I am submitting this complaint because Equifax, INC is in violation for furnishing 9 hard inquiries on my consumer report without my written instructions and without my permissible purposes. Which means that they are liable to me 9 times for violating 15 U.S. Code 1681n ( b ) 9 times.

I gather all my proof and mailed Equifax, INC a Notarized Affidavit Of Truth along with an invoice dated on XX/XX/2021, which they received on XX/XX/2021 as per USPS Express Mail tracking confirmation # : XXXX XXXX XXXX XXXX XXXX. 
I gave Equifax, INC the opportunity to resolve this matter amicably and gave them 20 days to comply, but I have not received any communications whatsoever so far.