davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (GA)

15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

15 USC 1666B This is a billing error always paid as agreed on time this is an error this account is in violation. They violated the United States Code Law 15 U.S. Code 1666b. Timing of 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. Also according to 15 USC 1666 ( b ), they should have adopted to ensure that each periodic statement is mailed to me certified mailed or 21 days before the payment due date, which I never received. I have disputed this account multiple times with the bureaus. One of the original creditors even sent me documentation proof stating it was a system malfunction. XXXX XXXX never provided documentation showing they sent mail certified or 21 days before the payment. Update the payment history immediately and remove the account XXXX XXXX account immediately. 
XXXX hasn't updated my credit report in over 6 months. Misleading False Reporting. This Account negligently and inaccurately reported failing to comply with 15 USC 1681.
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings ()

I received my first notice from this agency on XX/XX/2020 and was told I would have 30 days to dispute the charges. I sent the company a letter disputing the charges, as instructed, via USPS with tracking information that shows it arrived Monday, XX/XX/2020. I have heard nothing from the company regarding my letter. However, a follow-up letter arrived on the XXXX saying the disputed debt has begun to collect interest. 

When I called company at XXXX that same day, their agent informed me that they have not been notified about my letter and that my credit would be affected if I did not pay. He also informed me that the debt would continue to accrue interest as I wait to hear back from them.
Consumer complaint received 2020-11-09
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. (OR)

I originally disputed this alleged debt with XXXX XXXX XXXX XXXX debt collector ) regarding an alleged returned check of {$280.00} from XXXX and was not provided a copy of the alleged check, account numbers or the bank for which it was allegedly withdrawn upon. Attached is what was provided by XXXX XXXX XXXX. 

( XXXX letter with alleged Affidavit of Correctness and Assignment - XXXX XXXX XXXX XXXX XXXX ) This has lead me to dispute the validity of said debt with burden of proof also falling upon Experian, as they have listed this alleged debt on my credit report, which has negatively impacted my credit for quite sometime. I have disputed this account numerous times with Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), to this day, Experian has either not properly investigated the alleged debt or just flat out ignores my request with the information provided. 

Per the letter from XXXX XXXX XXXX on XX/XX/XXXX, and my XXXX report dated XX/XX/XXXX, I have no returned checks showing or outstanding, as XXXX XXXX XXXX has stated in the letter and Experian has continued to report. 

See attached Oregon Gambling Laws. 
XXXX  XXXX - Internet Gambling Specifically Also, a simple internet search indicates, that the Unlawful Internet Gambling Enforcement Act of 2006, no longer allowed online gambaling for monetary purposes in XXXX. So, how could I possibly owe on said debt with a check date of XX/XX/XXXX, per the letter from XXXX XXXX XXXX? 

Finally, you can also see on the internet, XXXX was shutdown in XXXX and fined by the government, due to the Unlawful Internet Gambaling Enforcement Act of 2006. So again, how could I possibly owe on an alleged gambaling debt ( from my research on them ) in XXXX of XXXX? 

See attached XXXX print out from under History. 

After providing these documents numerous times to Experian, they still to this day have failed to correctly investigate or just blatantly ignored my requests for removal of this erroneous debt. 

See attached Unlawful Internet Gambling Enforcement Act of 2006 - If I can get it attached or it can be viewed online. 

Thank you for your attention to this matter.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OH)

We have had a savings and checking account at the USBank branch in XXXX, Ohio XXXX for many years. A few years ago, on a routine visit, a bank representative at this location told us that we would automatically receive " Courtesy Overdraft Protection '' for our checking account. It was presented, and thereafter regularly written as a " Reserve '' account on monthly statements and online. To the best of my knowledge, no documents were signed by my wife nor I. From the information which the representative presented, we understood that, should an overdraft occur, monies would automatically be transferred from our account to cover the overdraft amount. There was no mention of fees, nor was the " reserve '' account ever referred to as a " line of credit '' until I questioned another bank representative over the telephone a few months ago. Unknown to my wife and I, one overdraft event had accrued over {$1200.00} in fees and interest. Had USBank referred to the " Reserve '' line as a " Credit '' line, we would have paid the overdraft immediately months earlier. We filed a complaint with USBank corporate which was rejected via a form letter in XX/XX/XXXX without any clear explanation. The local branch manager has not responded to repeated requests for documentation. Thank-you.
Consumer complaint received 2024-03-05
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-09
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: CBC Companies, Inc. (TX)

XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score was deleted add this back on FCRA violations remove all : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX Account XXXX XXXX ResponsibilityIndividual Date XXXX StatusAccount charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX XXXX XXXX XXXX  Account XXXX Account TypeCredit card ResponsibilityJoint with XXXX XXXX Date XXXX StatusAccount charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
Status UpdatedSep XXXX XXXX  XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2020-11-09
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)

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} XXXX XXXX XXXX CO XXXX {$21000.00} XXXX XXXX XXXX CO XXXX {$18000.00} XXXX XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX  XXXX {$65000.00} XXXX XXXX  XXXX XXXXXXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2019-04-23
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: SYNCHRONY FINANCIAL (CA)

I was born XX/XX/XXXX This account was opened XXXX by my Father who has the same name. 
I was only 5 at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TX)

My account with Comenity Bank/Mastercard was restricted on XXXX XXXX. I was unable to make any purchases since then. I was never sent a letter of adverse action within the 45 day time frame and my card was restricted without notice. Since then I have been reaching out to Comenity/Mastercard which has directly lied in stating that they have mailed me regarding my account ( although I am paperless and it has shown on my account that only statements have been submitted to me ), then stated that due to an outstanding request to increase my credit card limit I can't use my Mastercard. I never made a request outstanding. Then that the three credit card reporting bureaus reported that there was a significant change to my account. I have reached out to the three bureaus and pulled my reports. All my credit cards and accounts are in excellent standing and always paid on time. Recently I had a bankruptcy from ten years ago fall off my account and medical bills also fall off due to change in federal law. All of which still doesn't explain why my account is restricted. I'm more upset at the failure of notice and the fact that a reason hasn't been given. They also increased my APR without notice.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been MONTHS since I received a response or an update from the bureaus. It is my understanding that the bureaus have 30 days to respond to a dispute. Since XXXX I have received absolutely nothing! I've even tried to mail letters certified mail which costed me more money. I have the tracking numbers from XXXX with XXXX  : XXXX, XXXX  : XXXX, and TransUnion : XXXX. I have gotten results before. I've been mailing letters to the same address. The items that are wrong are : **I am demanding proof of these account validations or deleted from my account. 

1. This belongs to someone with a similar name Chapter XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report. 

XXXX. The creditor has not validated the debt after many attempts to do so. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Account status and comments are incorrect XXXX Account Number : XXXX Please identify the Creditor and provide validation of this account. 

6. The creditor has not validated the debt after many attempts to do so. 
XXXX  XXXX  XXXX  Account Number : XXXX Please identify the Creditor and provide validation of this account. 

7. The creditor has not provided validated for this account. 
XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 

8. The creditor has not provided validated for this account. 
XXXX  XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 

9. Account Status and Payment Status are incorrect XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

10. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Creditor has not been identified nor has any contact information been provided for the creditor. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. This has not been verified. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-03-05
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 deeply dissatisfied with your failure to correct and remove inaccurate, incomplete, or unverifiable information from my credit report despite numerous requests and evidence provided. This negligence directly violates my consumer rights and calls into question your bureau 's integrity. 
I demand immediate action to rectify this situation and ensure that my credit report reflects accurate and verifiable information. The following accounts are reporting inaccurately and must be deleted promptly : 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 XXXXXXXX ) is inaccurate, as no case was tried or seen, and no judgment was made. Please remove this account immediately.
Consumer complaint received 2023-04-10
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. (MO)

The student loan servicer, XXXX XXXX, was not willing to work with me. I would state that I was making {$420.00} a month due to just recently graduating from my certification program and still looking for a job within my field. I would state countless times throughout the summer of XXXX  the status of my employment and interview processes that I was going through and would receive conflicting reassurance because with every call I had to restate the entire update because they never updated or left notes on my account. I would state I can pay this amount and respond with you're not willing to pay and hang up on me countless times. After finally getting a decent paying job I told them this is how much I can afford to pay you guys and they said yes and next thing you know they dont my report and co signers reports.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of Shellpoint Mortgage Servicing for 3  years. 

Back in XX/XX/2020 ( early pandemic stage ) Shellpoint ( in charge of managing my primary home mortgage ) reached out offering several alternatives for customers experiencing economic hardship. At the time, and being a small business owner, I decided to accept on one of their offer programs and enter a 3  month forbearance program Come XXXX, 2020 I contacted Shellpoint once again, and a customer service rep offer and suggested to extend for another month. Came XXXX, and things changed. After submitting a significant amount of documents and financial statements I was told I didn't qualify for any other programs and was instructed to bring the account current. Suddenly a " new program '' appeared and I " qualify '' for some sort of loan modification. I had to declined such offer since that prevents the ability to refinance the property for a 2 year period. 

To my surprise ( and after having a pre-approval from a conventional bank ) Shellpoint had reported my account as LATE to all credit bureaus, preventing a refinance to be completed. I rushed to reach out to Shellpoint and interesting enough one of their representative acknowledge a THIRD PARTY PROVIDER had made an error and several thousands of their clients had incorrect reporting on their credit history. 

3 weeks have passed, and so far no action has been taken from their part, preventing my ability to complete the refinance process. 

I have instructed my ability to bring the account current ( principal, interest and escrow ) immediately, as LONG they clear this out. 

Thank you very much for your time, but at this point I can't afford to put at risk my home, my family and any sort of legal matter this could bring along if no action is taken.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

my credit report is showing inaccurate information address i have never lived and phone numbers i have never had 15 usc 1681 states that my credit report must be accurate and this information is not which is a violation
Consumer complaint received 2019-06-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Dear CFPB, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to BAYVIEW Loan Servicing LLC, A Debt Collector, on XX/XX/XXXX certified sent certified mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

In addition, Under my private rights of action and administrative process I want to report that Bayview Loan Servicing LLC has repeatedly ignored and has failed to respond to my Qualified Written  Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

I never contracted with BAYVIEW at any capacity and have never had any business relationship verbal or written. The BAYVIEW Account # XXXX corresponding to my property at XXXX XXXX XXXX. 
XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to BAYVIEW on XX/XX/XXXX Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to BAYVIEW on XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

Finally, my Notarized Affidavit of Non Response was also served to BAYVIEW sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

As of today, BAYVIEW has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-03-05
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. (NJ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX