davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I Have sent several complaints through the CFPB to Experian regarding inaccurate information. Experian is using stalling strategies so that they want have to address my the inaccuracies on my credit profile. They response to me through the cfpb is always that they need Authorization from me to complete a dispute. Experian been had authorization to complete all my disputes. I've also sent Experian a copy of my license, social, and proof of residency on numerous occasions. Im asking hereby demanding Experian to complete all my previous and future investigations in a timely manner. or I will sue through the cfpb because this is against the FCRA guidelines and Experian has a duty to comply with all rules and regulations of the law.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MI)

The company has stated that they closed my account upon review and discovery of " red flags '' I would like a full definition of what constitutes a red flag and what transactions were identified by this process and definition. 

The explanation given is not adequate.
Consumer complaint received 2024-03-07
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. (TN)

Under the laws of UCC article 9 as well as State 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 were adhered to. the creditor did not follow the proper procedures and failed to notify me of anything concerning this appropriately. My rights have been violated.

also, My gap insurance covered this auto loan in full. This violates the Fair Credit Reporting Act 15 U.S.C.1681Ba3 ( C ) furnishing reports in connections with creditor insurance transactions that are not initiated by consumer.

I have also asked for a purchase order agreement between the debt collector and the original creditor. I have asked for this alleged debt to be validate and verified with other documentation and i received nothing. and these credit reporting agencies are reporting this information to my credit report without being provided any verifiable proof or documentation requested and in question and this is a violation i am demanding a swift deletion and i trust that the CFPB will investigate and address these infractions.
Consumer complaint received 2022-01-22
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. (TX)

The following inquiries should not be on my consumer reports. 

XXXX XXXX ExperianXXXX XXXXXXXX XXXX need to be removed. 

XXXX XXXX ExperianXXXX XXXX XXXX need to be removed.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

The following inquiries should not be on my consumer reports. 

Equifax & XXXX XXXX Bank need to be removed. 

XXXX XXXX XXXX XXXX XXXX need to be removed.
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

Company saying that I have debt of {$210.00} that I am have no knowledge of. According to FCRA section 609 ( a ) ( 1 ) ( A ) you are required t by federal law - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.
Consumer complaint received 2022-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IA)

I sent {$3200.00} to my fianc on XX/XX/22 and MoneyGram did not send the funds. My fiancs   bank said they havent received any deposits from MoneyGram. They havent did anything to see where the funds went and only opened an investigation which they havent gave us any information on.
Consumer complaint received 2022-01-22
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. (AL)

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )? Also inaccuracies with accounts. The date of last active showing different dates when the accounts should show the same dates with each credit agencies. The FCRA says 100 accuracy not 60 or 70.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SPEZIALIZED LOAN SERVICE REFUSE TO PAY OVERPAY IN ESCROW From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX To specialized loan service. Loan number XXXX Date XX/XX/XXXX Dear ladies and gentle man, Copy to all government. 

Urgent request, based on fraud and lies, please revoke their Mortgage license and stop their business. Make SLS pay the overpayment of escrow monies {$2500.00}. This is confirmed by Specialized loan service in writing. 
Make them pay {$10000.00} in fines to Mr XXXX XXXX XXXX XXXX, Make them pay interest and collection monies, like SLS enjoy doing We sold our Home XX/XX/XXXX. Today XX/XX/XXXX, we still did not receive a penny from SLS. We called many many times, we wrote letters, we spoke with SLS people who promised to wire the funds, we went to XXXX we went to local government. We received SLS mail, standard letter, specialized Loan Servicing has received your letter regarding the above referenced loan. Your case is currently under review. We realize the urgency and blab la bla.. Standard letter. XXXX XXXX XXXX XXXX and others. 
Today, still no money. 
SLS is in default on different occasions. There is NO dispute, The overpay is confirmed, They just have to pay, 20 days after closing. XX/XX/XXXX today XX/XX/XXXX. 
Please make them pay, including everything as asked for Yours sincerely XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX Fl. XXXX Cell XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One has fraudulently reported my deceased mother 's credit card information to the credit reporting agencies as my unpaid debt. My mother passed away in XX/XX/2020. I had her mail forwarded to my house, however, I never received any statements from Capital One that she had an account or that an amount was due on a Capital One account. I had my credit rating pulled by a mortgage lender in association with purchasing a house, and I found a debt on my credit report from an unknown Capital One card. When I inquired about the card I found out that Capital One had fraudulently reported my mom 's debt on my credit. It adversely affected my credit because at that point the account was seriously delinquent ( 7 months had gone by since my mother passed away ). Capital One admitted that the card should not have been reported on my credit, and amount was so small they closed the account, but Capital One said that it would take 1-2 billing cycles for the credit agencies to be notified of Capital One 's fraudulent actions. At that time I asked for a letter from Capital One that this issue was resolved, but the representative refused to do anything more that issue the correction to the credit reporting agencies. 
I asked around and found out I was entitled to a zero balance letter, which would verify that this matter was resolved. When I called Capital One back to ask for a XXXX  balance letter that initially told me they could not send me one. They only agreed to send me one at all when I threatened a complaint to CFPB. Once they agreed to send me a XXXX balance letter, they told me that they could only fax a letter to me XXXX I do not have a fax machine - who does anymore?! ), they would not email me a letter, and that the quickest I could get a letter would be 15 business days. 

I am trying to close on a mortgage to buy a house, and I need this letter to verify to the mortgage lender that this matter has been resolved. I feel that Capital One fraudulently reported my mom 's credit on my credit report to harass me to pay her debt, and that they feel no sense of urgency to correct their fraudulent actions.
Consumer complaint received 2024-03-07
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

XX/XX/2021, I received a text that said Wells Fargo. transaction pending XXXX if it was me reply to Y or N. I pressed N and sent it. Seconds later I received a call that said Wells Fargo. I answered and the guy said This is XXXX with Wells Fargo this call will be recorded and monitored for security purposes. He said XXXX XXXX i said yes then he said the reason for my call Is because there were 3 attempts to take out XXXX from your checking account through XXXX. Then he said in order to stop the money from being sent go ahead and login to your account and go into XXXX then go settings and then he said there's 2 setting that you see there? i said yes, he said on shouldn't be green so go ahead and disable that setting. Then he said we are going to make you a XXXX account so we can send the money back to you. it'll stop the transaction from being sent out. so, I made myself an account. He said go ahead and act as if you're going to send money from your checking account to yourself so i sent XXXX to the XXXX account I made. Then he said go into savings and do the same thing but whatever you have in savings which was XXXX I sent that to me through XXXX. Then he said that the money will go back into my account after midnight. As i was going to ask a question about the XXXX attempts the guy hung up on me. I called Wells Fargo back and that is when I learned that Wells Fargo didn't call me about the XXXX pending transaction. They transferred me to the fraud department, and I gave them my statement. They told me to wait 10 business days so they can review and determine what will happen. After the 10 business days I called, and they told me that the case was closed, and I'll get a letter. I was also told that I won't get my money back because it was sent through XXXX, and they can't trace those transactions. So, I said Well why didn't you tell me that in the first place instead of giving me hope that I was going to get my money back.
Consumer complaint received 2021-05-12
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. (IN)

XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are legally required to respond to me within 15 days. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb. Your failure to do so puts you in violation, subject to fines up to {$1000.00}. 
I trust that upon receiving this letter, you will immediately comply with my request. Please provide the investigation procedures for : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-08
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. (VA)

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681 section 602 A States I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without written instructions
Consumer complaint received 2022-01-22
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: TD BANK US HOLDING COMPANY (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on NORDSTROM/TD BANK USA . Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

NORDSTROM/TD BANK USA XXXX XXXX {$570.00}
Consumer complaint received 2022-01-22
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: CITIBANK, N.A. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

MACYS/DSNB XXXX Balance {$1000.00}
Consumer complaint received 2022-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (KS)

Fraud. You all already know what is going on. There are 30 additional months left on my loan term. Please have Wells Fargo just recalculate the payments for the life of the loan. they have already taken more than enough payments the car is already paid for as they change loan agreements at signing but i dont care at this point they can have my money just make sure they recalculate the payments for the life of the loan. should be around 30/month. please also make sure no one switches my cars the entire engine was new when purchased now it is set on automatic failures. the balance due is around {$900.00} and there are 30 months remaining on the loan. the payments should not be {$160.00} for 30 months.
Consumer complaint received 2018-12-22
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. (TX)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX, XXXX   XXXX
Consumer complaint received 2022-01-22
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: CLGF Holdco 1, LLC (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on XXXX INDIGO/GF. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX INDIGO/GF XXXX Balance {$0.00}
Consumer complaint received 2022-01-22
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. (MD)

In XX/XX/2021 I disputed Public Record information on my consumer report under FCRA requirements of 15 USC 1681 ( a ) ( 4 ) accuracy and fairness of credit reporting. Consumer reporting agencies have a GRAVE responsibility to report fairness, impartiality, and a respect for the consumers right to PRIVACY. However transunion refused to provide me with my rights as a consumer a method of verification. I then recorded a call with transunion on XX/XX/2021 and asked for their method of verification under the requirements of the FCRA, I was told that information was not available and I can dispute the error again. Which transunion did not reinvestigate, they just sent me the previous investigations results. Transunion has broken several FCRA violations. Transunion did not submit nor forward any of my documentary proof to any furnisher because XXXX technology limitations do not permit authenticity of consumer documents and PRIVACY CONCERNS. I have taken on this investigation and I have proof that USBK COURT did not and does not sell XXXXnformation data furnishers. However, XXXX XXXX does sell and purchases bundled data which is how errors get reported. XXXX XXXX admitted the error and removed the error. Transunion NEVER INVESTIGATED my bankruptcy dispute which is a violation to my consumer rights.
Consumer complaint received 2022-01-22
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: Commonwealth Financial Systems, Inc. (KY)

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.
Consumer complaint received 2022-04-08
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. (VA)

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681 section 602 A States I have rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without written instructions
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-10-12
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: ALLY FINANCIAL INC. (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XX/XX/2021 2021