davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately.

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ.

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair credit reporting act, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (ID)

We have been trying to settle the Estate of XXXX  with XXXX XXXX XXXX ( Texas ) XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan # XXXX. The party listed on the loan XXXX is deceased as of XX/XX/XXXX, I XXXX  am the personal representative for the estate. I have made several calls and emails to be added to the account so that I can enter a forbearance agreement with said company and am told every time that they can not talk with me. Today I spoke with XXXX XXXX XXXX ext XXXX and was told the same thing. I live in the mountains and must travel 2 hours each way to attempt contact with them. I have hired a realtor to list the home for sale on XX/XX/XXXX but still have no info on the home or the loan. They have received everything they have requested multiple times with no resolution only that they can not speak with me and no one in the specialty department can speak on the phone. I need assistance to get this matter resolved as soon as possible. This company has been the worst I have ever had to deal with. 

Thank you, XXXX
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I had {$2000.00} removed from my bank account. I called Wells Fargo when I noticed and they told me the transactions never went through and that it was pending but it would be back in my account. They filed a claim for me and said I would be called back but they never called me. They closed my account and opened up a new account for me but never sent me my new debit card. I called them again 3 more times and they said they closed my claim for reasons Im unaware of. I wasnt even aware they closed my claim because they emailed me XX/XX/2023 telling me they were still processing the claim, but when I called they said they closed it on XX/XX/2023. They said they sent me a letter but never did, I requested documentation and still havent received it. Im a college student with credit card payments to pay as well as rent. I would never authorize {$2000.00} being pulled out of my account. You could clearly tell on my statement that the charges werent from me and the workers noticed that as well. I wasnt even aware that much money could be pulled out of my account in one day because I had alerts on my account that would notify me if {$500.00} was even pulled. Never once did I receive an alert and I was told that theyd be able to issue me a credit for the money that was pulled but I never received one. I would like my {$2000.00} back and I would like to switch over to another bank.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (TX)

It has come to my attention that CONN APPLIANCES INC Management are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Consumer complaint received 2023-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Company has selectively provided and omitted specific information on an alleged debt. 
They have listed alleged debt on my credit reports and have not provided me with documentation required by law. 

The Debt Buyer is not familiar with Virginia law, the state that governs my original agreement.Debt Buyer must provide original agreement or provide affidavit attesting to lost or destroyed agreement. XXXX Virginia Midland has dumped a patchwork of documents trying to prove a bill of sale from creditor to debt buyer. There is nothing that specifically references my account in a bill of sale. The bill of sale is deficient and is just a portfolio of random debt that Midland purchased at different dates. One document here is a certificate of conformity related to the state of NY that has absolutely nothing to do with my account. 

I have requested multiple times the original contract between XXXX and myself as it is my legal right. They either do not have this information or refuse to give it to me. Instead they send robo signed affidavits with debt sales from XXXX files that preceded my alleged default with Creditor. Again, I demand Proof that the buyer actually purchased this specific account ; and The terms and conditions of the sale of the account. In Midland 's attached response documents, they list affidavits. Do these people who have sworn affidavits have personal knowledge of the facts of my account if they can not locate the original contract?

Debt Buyer also claims the statute of limitations will not expire until XX/XX/XXXX. The debt buyer is again providing inaccurate information to me and on my credit reports. The statute of limitations starts tickingon the date of the last activity of the original credit account and not the datea debt buyer arbitrarily chooses.

Debt Buyer has a history of flagrant violations of consumers rights and has been successfully sued multiple times by the CFPB for millions of dollars. In XXXX, Midland was found guilty of violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. That same year, the company was sued by 42 states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. Midland paid a {$6.00} XXXX settlement to resolve that lawsuit. 
In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the Commonwealth of Massachusetts that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (GA)

I went on the XXXX XXXX website to look for other card options, they told me I could look at the cards and a soft pull not inquiry, the inquiry was there showing hard credit pull, but I didn't apply. 
These are bait and switch opportunities for the company and it affected my credit scores, I have a copy of that with experian. 
credit scores are affected now by BLINKING so these private companies can make money off you.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 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 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Hello There are fraudulent accounts on all 3 of my credit reports and some items were deleted and some were not. I went to my local police station and explained to the officers that my identity has been compromised and as a results I have several accounts that are being reported that aren't mine. I have disputed again and again with the bureaus and all they keep doing is " updating '' the accounts. I do not believe I have been given a fair investigation from them. 

I need a fair investigation into the accounts I have mentioned in my letters which I will attach to this complaint along with the FTC report and police report. 

I hope something can be done before I am forced to retain a lawyer. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello There are fraudulent accounts on all 3 of my credit reports and some items were deleted and some were not. I went to my local police station and explained to the officers that my identity has been compromised and as a results I have several accounts that are being reported that aren't mine. I have disputed again and again with the bureaus and all they keep doing is " updating '' the accounts. I do not believe I have been given a fair investigation from them. 

I need a fair investigation into the accounts I have mentioned in my letters which I will attach to this complaint along with the FTC report and police report. 

I hope something can be done before I am forced to retain a lawyer. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account 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 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

As an XXXX  employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX  about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID?

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.
Consumer complaint received 2022-03-25
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. (FL)

Im very concerned with Experian and their investigation into my dispute regarding a late payment for XX/XX/2018 Ive attached the pay grid for XXXX and XXXX which clearly show I wasnt late that month. Although this occurred in 2018. I still want the payment toreflect properly. Please remove late payments
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As an XXXX employee I was directly affected by COVID and struggled to make my mortgage payments so I asked XXXX XXXX about the best option available which would not affect my credit rating. I went into a trial modification period paying a the reduced amount they told me from XXXX 2020. I paid it on-time and in-full. I was told nothing would be reported to credit bureaus during this time. At the end they modified my loan with a government product loan. THEN.months later they reported me 4 months late!! 

I thought the CARES Act protected me? Were laws not implemented that mortgage companies werent allowed to report you negatively if going through one of the programs they offered due to you being affected by COVID? 

Ive disputed it with the 3 credit reporting agencies and XXXX, who basically said I should have paid more attention because it was in the fine print and too bad I signed on the dotted line. But I feel hoodwinked. Im not a lawyer. I trusted I was doing the right honest and ethical thing and they were too. 

Now, because of them, I was denied a ParentPlus federal loan for my XXXX college. My credit score is so low I couldnt even get a new cel phone plan. No one will approve me for anything and Im never late with credit card payments or anything! This is the 7th home Ive owned and all been sold/closed in excellent standing. 

XXXX XXXX is a predator. They took advantage of my good faith.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CT)

Rocket Mortgage underwriters issued a mortgage {$120000.00} to me for XXXX XXXX which included taxes and insurance with an interest rate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Now, last month, they decided to raise it ( without taxes or insurance prices going up ).!!!!! XXXX and XX/XX/XXXX they increased to XXXX  XXXX. 

It seems they initiated the numbers with only half of the insurance costs to make it look favorable to me, the purchaser, of the mortgage. By the way, XXXX did this to my son 's mortgage, around the same timing!!! 

I believe they may have done this to thousands of customers for their own financial gain and that's why I'm writing to you. On my closing documents I see that they only indicated half of what the insurance costs actually are. Underwriters are methodical and perfectionists. Besides, they couldn't have done this to me and my son with XXXX different banks, XXXX and Rocket Mortgage. 

This behavior affects the mortgage industry as they monopolize the public and make the industry look bad. They kept me from shopping around. Please audit them!
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
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. (NY)

Dear XXXX, I hope this letter finds you well. I am writing again to bring to your attention the presence of inaccurate information on my credit report related to my account with XXXX. I kindly request your assistance in rectifying these errors promptly. My Account with you has been consolidated in 2021, why are you still reporting inaccurate information below? A wrong name, wrong address, and wrong account? 

1. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
2. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
3. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
4. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
5. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
6. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
7. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
8. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
9. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
10. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
11. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 
12. DEPT OF EDUCATIONXXXX : XXXX Paid, Closed. 

I have taken the necessary steps to ensure the accuracy of my records, including reviewing my payment history and corresponding account statements. Based on my findings, I believe the information reported is incorrect and should be rectified, and removed. 

I kindly request that you investigate these discrepancies and take appropriate action to update my credit report accordingly. I understand the importance of accurate credit reporting and its impact on my financial well-being. 

I kindly ask for your prompt attention to this matter. Please provide me with a written confirmation once the necessary adjustments have been made to my credit report. Should you require any additional documentation or information, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX. 

Thank you for your cooperation and prompt resolution of this issue. I appreciate your attention to this matter and look forward to a favorable outcome. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (GA)

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 USC 1681 1. Account XXXX Account Balance {$300.00} 2. Account XXXX XXXX XXXX Account Balance {$300.00} 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 ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Consumer complaint received 2022-11-07
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 2022