davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is a continuation from previous CFPB and reports and fraud : XXXX XXXX Enclosed are copies of my XXXX identity XXXX. 
In them, and assumingly by design, are many, many alarming, appalling, concerning, misuses of personal identity which has affected me personally my entire life. As a result, my insurance, background, court records, identity, and opportunities to advance are constantly and continually averted, thwarted, and assumingly illegally compromised with aliases, loans, inaccurate and unassociated court records. There are only several logical explanations which I will list below. The reports enclosed speak for themselves and further validate my claim. However, my attempts to address these issues in an all inclusive report, multiple times over my adulthood, has yielded little to zero results with a continual battery of prejudice, subjugation of minimal advancement, hope, or justice all the while the abuse of powers, and the perpetrators advance freely. 
With that said, a detailed report per entity will follow which involves but is not limited to insurance companies, mortgages, banks, loans, private and public companies, etc. 
All of which originate from this initial claim of fraudulent activity and abuse of power. 
The data regarding a background check, insurance, mortgages, and more originate from the same source and directive. 
XXXX ) Either the XXXX of Texas XXXX XXXX has or was compromised. 
XXXX ) A rouge editor of XXXX XXXX records. 
XXXX ) By design and integral to City, XXXX XXXX XXXX, XXXX, and Federal municipality, XXXX under the directive of the XXXX XXXX Texas XXXX XXXX. 
Options XXXX ) and XXXX ) require too much effort and altering records negatively are of zero benefit. 
Option XXXX ) however, is of great benefit and even if not, are and always have been under the direction of The XXXX XXXX, specifically, regarding insurance, mortgages, and vitally, court and criminal records. All of which are potentially detrimental to the person of interest, yet beneficial to The Governors of past, present, and future. 
These peculiar practices are extremely unjust especially and particularly when a person has paid their debts to the community and society. 
The Governor and the Attorney General for the XXXX XXXX Texas expects the citizens of the community to be of the highest moral, ethical, valued standards and by law they are required to do so themselves and are not above nor allowed to divert at will.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (CA)

This is to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me 30 days past due on XX/XX/2019. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 


XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-08-08
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. (CA)

Hi This is my second complain against the company first issue never resolved. i spent hours with the companies to remove the hard inquiry which is due to fraud. My info was taken from XXXX  illegaly. XXXX and XXXX corrected fraud reports immediately but Transunion have not done anything. My credit score dropped because 3 different companies inquired my report without my authorization. Which I called TransUnion to remove. I explained to them that I spent hours talking and writing to those companies without result. I got punished for FRAUD? Wow what a company who just there to do nothing if customer not paying. My credit score is down because of that.

Note my complain stay until company not taking the time to correct and possible will file suit ....
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

When using XXXX to access my free Experian report, their website produces an unidentified exception and tells me to mail in a demand form. This happens every time I've tried to produce a free report over the past four years.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CA)

I made a payment on XX/XX/XXXX and scheduled for XX/XX/XXXX which was the due date. You did not process payment nor did you note on my account but I have my email confirmation. Not only that you charged me XXXX late fee for YOUR MISTAKE. This happened in XXXX  as well. I am not sure what your system problem is but for your mistakes you have now charged me XXXX in late fees. I had to make my payment again in XXXX  when I noticed you did not process again and I paid on XX/XX/XXXX since my XX/XX/XXXX payment never processed. Now XXXX same issue and you have been causing financial and credit reporting harm because of your system issues not mine. I call in and no one will help. I called in this morning and spoke to a XXXX at XXXX am. She was extremely unhelpful. I gave her all the information and she said she could do nothing. She can not do anything about late fees that were applied incorrectly and then just kept me on hold. I asked for supervisor after 20 mins of XXXX just repeating her canned script and not knowing anything or being helpful. A supervisor never answered and I stayed on hold for another 40 mins!!! This is ridiculous. I am sending copied of this to the CFPB and FTC as well as all credit reporting agencies since you can not fix your system or payments and then keep charging me FEES FOR YOUR ERRORS!!!! UNBELIEVEABLE. Fix your customer service as it is by far awful. I can tell it is people that most likely do not work in the US and just use a script and are unable to actually do anything
Consumer complaint received 2022-03-16
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: OneMain Finance Corporation (CA)

Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : One Main Financial
Consumer complaint received 2022-03-16
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: CURO Intermediate Holdings (CA)

Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (IL)

On XX/XX/2022, I received two thick envelopes from my mortgage servicer, BOK Financial, informing me that I was in default and had 90 days to cure it or else they would begin foreclosure proceedings. 

This was the first correspondence I had indicating that anything was wrong with my account. After calling them the following day, I learned that after a single bank overdraft in early XXXX, BOK Financial turned off my automatic mortgage payments and did not inform me of that change. As a result, I was suddenly three months behind on my mortgage payments and thus at risk of foreclosure. 

BOK Financial insisted that they had mailed me multiple letters and called me several times, but the foreclosure warning envelopes were the first sign that anything was wrong. A person claiming to be from BOK Financial had called me the previous week, but asked to confirm the last four digits of my SSN -- believing it to be a scam, I simply hung up. 

I find it frustrating and suspicious that BOK Financial claims that they could not get ahold of me for three months and yet was able to deliver a foreclosure warning right on time. Not once did anyone leave a voicemail, send an e-mail, or send a text message. 

I'm XXXX XXXX XXXX ; I rarely pick up the phone if it's a number I don't recognize, but I'm on e-mail all day, and BOK Financial was able to send me multiple e-mail notifications of secure messages throughout my complaint process after the fact. 

Even though I immediately paid the past-due mortgage payments plus fees the day after receiving the first notice, the " late payments '' have already shown up as a negative mark on my credit report -- despite the fact that I have never once missed a payment previously in more than seven years of ownership. 

Aside from waiving a single late fee, BOK Financial claims they can not do anything else to resolve this situation. I cordially request the CFPB 's help in righting this wrong. For reference, I have complained multiple times to BOK Financial via their online portal, submitted disputes with two of the three major credit bureaus, and plan on submitting an additional complaint in writing via mail to BOK Financial.
Consumer complaint received 2022-03-16
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. (TX)

Accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out written instructions.
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (IN)

XXXX XXXX was supposed to send me an e-mail or an e-bill for the remaining balance on my account. I made a first payment on XX/XX/XXXX of {$300.00}. There was a remaining balance, and XXXX XXXX said they would send me another bill. I didn't receive the bill. XXXX XXXX sent my bill to a debt collector. The debt collector goes by RMP Receivables Management Partners ( RMP ). They called on XX/XX/XXXX and said I owed {$330.00}. I called XXXX XXXX to ask what happened with billing me? XXXX XXXX didn't try to contact me -- until the debt collector called. I paid RMP the {$330.00} owed. Now this is showing as a problem on my credit. Help me please!
Consumer complaint received 2017-09-08
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. (PA)

I am sure that I part of TransUnion 's glitch that caused information on people 's credit report to disappear and then reappear without notification. According to, FCRA, section 611 paragraph ( 5 ) sub section ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I would hope that Transunion would remove these injuries from my credit report promptly. Due to the fact that I was Notified of them being put back on my credit report. 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (AL)

I financed a car in XXXX with Chrysler Capital in order to take advantage of a promotion. I made XXXX payments before getting a new loan as told to do so my the car salesman. I refinanced my loan with XXXX. The application was approved on XX/XX/XXXX. The check was received on XX/XX/XXXX, at Chryslers correct address according to XXXX. I received a bill from Chrysler Capital dated XX/XX/XXXX. In the account activity, it says the vehicle was paid off on XX/XX/XXXX, and the payment was reversed on XX/XX/XXXX. Meanwhile, I, the consumer, am receiving bills from two banks ( Chrysler and XXXX ) for the same vehicle. I have communicated with both banks three separate times now with no effect. This experience has been very frustrating for me the consumer. I am the one whos name and credit are the online. I would like for the two institutions to communicate with each other and resolve this issue promptly.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Jefferson Capital continues to call me for a debt that is my Fathers and not mine. The calls continue to come from spoofed local Caller ID numbers. Also this debt is more than 7 years old and yet they continue to call me even though I have explained that to them. The gentleman who called me was clearly not from the XXXX and even when I explained to him that it was not my debt he continued to garras me telling me I had to confirm my social security number with him which I refused to be cause it was not my debt. He then moved on to call me a liar and that I was clearly lying and that I would die in my web of lies. 

I realize a lot of debt collectors are outsourcing their call centers to XXXX based companies, but this is unacceptable because they are still calling XXXX  XXXX  and representing XXXX  based companies yet violating federal laws. 

This is not the first time Jefferson Capital has used these tactics to attempt to collect debt that is not mine or that has surpassed the statue of limitations.
Consumer complaint received 2022-05-05
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. (IL)

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. 
XXXXXXXX XXXX XXXX  account number xxx ***, 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 instruction
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (MA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2022-05-05
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: Navient Solutions, LLC. (CA)

In accordance with the fair credit reporting act XXXXt account # XXXX, has violated ny rights. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It aslo states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IN)

synchrony bank : my mother died on XX/XX/2020 she was the main cardholder.. care was there only one giving us problems.i found out that just because there was another person on the account just for ermermcy they should not be responsible for the account. they billed my mother. the other person was never concerned until now. according to the credit bureau. the bank has option which they refused to take. 1, they can write of as a bad debt. or they can take 75 percent of what the card is used. or close out the account which they refused to be reasonable. i tried several attempts to make it right, non on her family is reasonable for that debt. she did not own a home or house or have any money. i was told by the federal banks that sycnrony banks should make every effect to make it right. social security says it can take XXXX to six months to declare the person dead. the person they sent is in XXXX her delf in a deep XXXX from the mom passing and can not deal with the bad treeatment
Consumer complaint received 2023-12-01
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. (NY)

Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, N.Y XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/22 I requested an instant transfer of {$700.00} be sent from my Venmo account to my checking account. Apparently I had a debit card linked to my account that had been cancelled over a year ago. Both my account and the debit card are through XXXX XXXX XXXX bank. I called Venmo on XXXX because the funds had never hit my account. After an hour on the phone Venmo told me to call my bank which I did. Speaking with XXXX bank they informed me that the transfer from Venmo would have been immediately rejected since that debit card had been inactive for so long. They state that Venmo had the funds back Immediately. I called Venmo back and gave them all of this information and was informed that they would escalate my case. Today after checking my Venmo account the funds still are not there. I called Venmo again and was told that they would escalate my case to which I said that I was told that was done Saturday. I asked to speak with a supervisor and got hung up on... I called back and eventually got a supervisor that stated she would make sure that my case is escalated and that it would take 10 days for them to investigate .... I have been without these funds for 9 days and it is putting me in a real bind financially. I just need my funds to be made available
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} 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
Consumer complaint received 2023-06-16
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.