davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-24
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. (NC)

On XX/XX/XXXX I submitted a written dispute regarding inaccuracies on my report. I am trying to purchase a home for me and my family and my credit has become very important to me. I received confirmation via certified mail that my dispute had been received on XX/XX/XXXX, however Equifax did not complete the investigation until XX/XX/XXXX. After receiving my results, some inaccuracies had been deleted, however some had been verified as accurate. The same accounts Equifax claim to have been verified, have been deleted by other credit reporting agencies due to failing to verify the accounts. I believe Equifax has been negligent in conducting a fair investigation of the erroneous items, so I requested method of verification used to validate the debts. Instead of providing me with the requested information l, Equifax initiated another investigation giving me a completing date out 30 days. This is a direct violation of my consumer rights. Per the FCRA the bureau has 15 days to provide the requested information.
Consumer complaint received 2019-06-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

This company continues to call and hang up on my phone while I am at work. I did not give them permission to call my cell phone. They are violating UDAP, Texas Debt Collection Act, FDCPA and TCPA. They call from different numbers. One day I believe they even called me before XXXX. They dont leave messages. I feel threatened as this woman just told me with all these harassing phone calls. It appears this company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law and the other previously listed regulations. 

I request validation of this alleged debt as the amount listed is not correct. I have been paying XXXX for my car insurance for over 2 years. I recently made a payment to XXXX and this letter seems to state the alleged debt is more than it allegedly is. 

I am filing a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX  and XXXX XXXX and XXXX this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). 

Regards
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RESPONSE TO COMPLAINT # XXXX Dear TRANSUNION, XXXX PLEASE INVESTIGATE CONSUMER REPORT '' I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. You claim these accounts are verified? Please show proof of whom you verified these accounts through? Please send me names and addresses and if you can't provide this information please delete the below accounts : Account Name : XXXX Account # : XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX 15 U.S.C. 1681 Section 603 ( 3 ) ( E ) States, The term " investigative consumer report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on A consumer 's credit record obtained directly from A creditor of the consumer or from A consumer reporting agency when such information was obtained directly from A creditor of the consumer or from the consumer. 
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. Delete these accounts immediately unless you want to be held liable {$1000.00} per violation.
Consumer complaint received 2020-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XX/XX/20 Heloc Bank of America statement is incorrect. 

The Total Principal Balance of {$64000.00} is overstated by {$4300.00}. Using the Bank 's statement Beginning Balance and applying all the transaction detail provided, the correct Total Principal Balance is {$60000.00}. 

Bank of America is fraudulently claiming an excessive amount over what is actually due. 

Bank of America claims an amount past due of {$220.00}. The {$220.00} due was paid timely on XX/XX/20 with good funds. 

Bank of America is fraudulently claiming a Minimum Payment Due of  {$450.00} which is overstated by {$220.00}.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (TX)

A customer was unhappy with a ring I made for him and filed a chargeback with Amex. They took my money away and let the customer keep the ring. 
It is the customer 's fault he does n't like the ring. I told him that the ring needed to be wider than he wanted it, but I made it the width he asked for anyways. He approved my XXXX renderings of the ring and saw pictures of it before making the second payment. He also chipped a stone after wearing the ring for a month. So how does AMEX think it 's ok to take my money and let him keep the ring? 
I have email trails of all of this.
Consumer complaint received 2017-06-26
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. (TX)

Contacted TransUnion customer service and spoke with  XXXX  she would not help and take care of the negative inquiries reporting to your credit report.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2022-08-17
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. (MD)

My name is XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called XXXX, Experian and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$25000.00}, XXXX XXXX  XXXX XXXX XXXX : {$31000.00}, XXXX XXXX  XXXX XXXX XXXX : {$44000.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. A copy of my Driver 's License, Proof of Address and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXX, Experian and XXXX not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to Equifax with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I checked my credit report and I think it is wrong. I was told I have the right to have an investigation performed. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights : XXXX XXXX XXXX for an amount of {$8300.00} XXXX XXXX XXXX for an amount of {$3500.00} XXXX XXXX XXXX for an amount of {$2200.00} XXXX XXXX XXXX for an amount of {$1200.00} On XX/XX/2023 I sent a request to provide a copy both front and back of the alleged original contract/ agreement/ promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct and complete, upon the commercial liability of a proper of a properly identified and authorized XXXX, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract/ agreement or promissory note. 

I requested they provide verification and documentation that there is a valid basis for the companies charge-off of the alleged debt. 

I requested they provide proof that the alleged debt has not already been satisfied by any means available including but not limited to a tax write-off or insurance claim. 

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 : also states a consumer reporting agency can not furnish an account without my written instructions.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete the item of information from the file of the consumer.
Consumer complaint received 2023-03-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX ( Original creditor : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX  Original creditor : ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2020-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent the below letter to XXXX XXXX 's executive office on XX/XX/2020, and it appears they are refusing to comply. I am also paying a settlement of {$1700.00} to them and would appreciate XXXX XXXX removing all information from their system so I may apply for their products at a later time, should the need arise. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To whom it may concern : While checking my personal credit reports, which I acquired from XXXX, I noticed numerous inquiries made by your company. I am not in the market for XXXX XXXX credit or auto finance products, nor was I. 

I did not authorize anyone employed by your company, or any subsidiaries of your company, to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry without permissible purpose attached to said inquiries. This is a serious breach of my privacy rights.

The inquiries in question are on the following credit reports : XXXX : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XXXX, XX/XX/2020 | Transunion : XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XXXX, XX/XX/2020 I request that you mail me a

copy of my wet-inked signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. If you can not provide me with proof that I authorized you to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I was a participant in the class settlement with Ocwen for misapplication of payments. I had some account adjustments done effective XX/XX/2018 to reduce principal due to the company 's misapplication of prior payments. Starting in XX/XX/XXXX, I have noticed a lot of strange adjustments on my account. There are several negative entries in the exact same amount of my normal ( bi-weekly ) mortgage payment. I have reviewed the payment schedule, and spoke to Customer Service, but all they told me was that this was " correcting a misapplication of payments ''. I asked if it was due to the class action settlement, and was told that it was not. Clearly this person was just reading off of a script because he told me the " procedure '' directed him to refer me to a website and/or phone number about the class action settlement. I have also received a past due notice, despite NEVER missing a payment, and was told by Customer Service this was an error. I am not confident in Ocwen 's ability to apply my money in a correct and honest manner. I want to have a complete review of my account because I do not trust Ocwen.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Consumer complaint received 2016-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

My payment has been at XXXX due to my salary range. This year my wife and I filed jointly and I submitted for my re-approval of the current plan it was on. I was denied and my payments were reconfigured ; however, when reconsidering my plan they do not take into account that my wife also has student loans. My wife and I both have federal and private student loans that cost us over {$1600.00} a month. I was told that if I was to file separately nothing would have changed. This does not seem to make sense to be punished by loan payments because I was open and honest about our current situation. The federal loan servicing should take into account my wife 's loans if they are going to count her salary. 

Additionally, I was also told that my loan payments would be back dated because I was approved for the loan forgiveness by someone in XX/XX/XXXX. I was just notified that it was incorrect. I was told that my payments should be back dated to the start of my date of employment.
Consumer complaint received 2021-04-02
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. (CA)

There is one account that is on my credit report that is not mine I have been trying to let the bureaus know that this is not mine and nothing has been done. I have opened an FTC report regarding this and nothing yet. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account