davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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. (FL)

THIS NOT A DUPLICATE COMPLAINT. 

I am XXXX XXXX XXXX and I am writing this complaint myself. There is no third party involved. 

This is a final DEMAND TO COMPLY after multiple previous attempts to resolve this matter. For committing identity theft, violation and deprivation of my privacy, for causing me defamation of character and for impermissible purposes, I am demanding remedy in the amount of {$3000.00} pursuant to 15 USC 1681n and 15 USC 1681o. I have mailed Experian a DEMAND TO COMPLY letter via certified mail, tracking # XXXX XXXX XXXX XXXX XXXX, along with a copy of my SSN card and my state ID for identity verification purposes. Experian received this DEMAND TO COMPLY on XX/XX/XXXX. I have attached a copy of said letter. 

After accessing a copy of my consumer credit report from Experian and noticing fraudulent accounts and information being reported without permissible purpose pursuant to 15 USC 1681b, I mailed Experian a written dispute on XX/XX/XXXX in regards to the fraudulent information via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/XXXX. 

Since then, Experian failed to respond to my dispute pursuant to 15 USC 1681i-Procedure in case of disputed accuracy. When called to ask about a follow up 30 days later, agents stated that there was no dispute on record. Since then they have added additional fraudulent information in the form of XXXX collection accounts. Experian willfully and negligently handled my dispute reporting fraudulent and unverified information and failed to follow up with me via written mail with any update or resolution. Experians violations of 15 USC 1681 and 18 USC 1028A have deprived me of my right to privacy, caused me defamation of character, pain & suffering as well as monetary struggle and marital instability while being a victim of identity theft as defined by 12 CFR 1022.3 ; Identity theft is a fraud committed or attempted using the identifying information of another person without authority. 

Experian is liable to me, the natural person and consumer for {$1000.00} per fraudulent item of information pursuant to 15 USC 1681n and actual damages pursuant to 15 USC 1681o. I have been denied for extensions of consumer credit based on the report furnished by Experian which has put my family through extreme hardship this past year. I am demanding the deletion of XXXX closed charged off accounts, XXXX inquiries and XXXX collection accounts immediately and remedy in the non negotiable amount of {$3000.00}. Actual damages amount to a higher amount, {$3000.00} is my settlement offer. Details of deletion demands can be found in the attached Demand to Comply letter.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX, I filed a dispute with transunion for the unverified collections XXXX XXXX Account number XXXX. In these months, this unverified account isi still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Consumer complaint received 2022-03-15
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. (AL)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXl : All three XXXX, XXXX, transuinion Account # : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX XXXX ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX FIN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( XXXX Creditor : ) XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX has XX/XX/2017 both XXXX and XXXX have this on my credit report i never applied with them or hold a card I've called multiple times and they have no record of my social security #
Consumer complaint received 2022-03-15
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: Phoenix Financial Services LLC (OH)

PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXX ALABAMA  {$480.00} Balance updated XX/XX/XXXX... The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Balance due {$1900.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (TN)

Equifax I also sent them a letter on XXXX XXXX explaining to them that they are reporting inaccurate personal information on my credit report and received back by certified mail that they received my letter on XXXX XXXX. Here is my letter to them. to dispute the following information in my file. I have circled and highlighted the items I dispute on the attached copy of the report I received. These items disputed by Employer History : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. is inaccurate because the spelling of my current employment is inaccurate. The correct spelling should be XXXX XXXX XXXX  and remove XXXX XXXX XXXX. There is no identifiable information for this account XXXX XXXX XXXX XXXXOriginal Creditor : Available. Please delete How can closed accounts have a balance? Please delete these items listed below. XXXX XXXX XXXX  Act. # XXXX120 Days Late High Closed Balance {$10000.00} XXXX XXXX XXXX Act. # XXXX Closed Balance {$1100.00} XXXX XXXX XXXX Act. # XXXX Closed High Balance {$600.00} XXXXXXXX XXXX Act. # XXXX Closed Balance {$98.00} XXXX XXXX  XXXX  Act. # XXXXClosed Balance {$1100.00} _____________________________________________________________________ Inquires, these listed inquires below has no available information. Inquiry : XXXX XXXX IncDate of Inquiry : Contact : Not Available Inquiry : XXXX XXXX XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXXDate of Inquiry : Contact : Not Available Inquiry : XXXX XXXX IncDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXXContact : Not Available Inquiry : XXXX AutoDate of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXXContact : Not Available En closed are copies of my credit report supporting my position. Please reinvestigate this these matters and delete the disputed items as soon as possible
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulationXXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.
Consumer complaint received 2022-03-14
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX. XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX. TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX/XXXX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-14
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

In XX/XX/XXXX we hired the XXXX XXXX XXXX to help us get a loan modification from Bayview Loan Servicing on a property that houses XXXX very ill people. XXXX XXXX submitted the request on XX/XX/XXXX. Over the next few months XXXX followed up with Bayview and submitted every document that they asked for. Finally on XX/XX/XXXX the account XXXX, XXXX XXXX, told XXXX that they had declined the mod due to our income being too high. He said that the income was {$54000.00} a month. XXXX told him that was not true and that our true income was about {$30000.00} a month. XXXX told her that a request had been submitted to the investor for an exception. XXXX continued to follow up several times a week with XXXX by phone and email. He never answered the phone and she always had to leave a voicemail which was never returned. He never responded to her emails either. Finally on XX/XX/XXXX XXXX emailed XXXX to tell her the loan mod had been denied. He sent her the decline letter which was dated XX/XX/XXXX. The appeal period is only 30 days so XXXX was not even able to appeal the decision. The NPV value used regarding our income was incorrect which could have triggered the decline so we had a legitimate reason to appeal but have been robbed of the chance. The income on the XXXX XXXX XXXX was {$230000.00}. This is not even close to our true income. We now have a Trustee Sale set for XX/XX/XXXX. We do not want to lose this home. It will be extremely difficult to move the patients. It is impossible to get in touch with a live person at Bayview Loan Servicing and we do not want to lose this home. We would greatly appreciate it if Bayview would work with us so we could keep this home.
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (NY)

I leased a XXXX XXXX XXXX XXXX for 3 years with financing through GM Financial ( account # XXXX ). The lease was fully pre-paid by me in the amount of {$20000.00}. Before the end of the lease GM issued a recall on the vehicle due to battery fires, and the fix for the defect ( vehicle battery replacement ) was not available at the time my lease term was about to end ( XX/XX/XXXX ). So, instead of buying the car out at the end of the lease, as initially planned, I returned it 2+ months early ( in XXXX of XXXX ), not using the final two months of the lease payments to the tune of {$1100.00}. I requested in XXXX of XXXX that GM financial wave the {$420.00} lease termination fee ( see attached document ) since the vehicle was unsafe, but to this day they did not respond to my letter, instead willfully and maliciously reporting me to several credit rating agencies as a delinquent lessee.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (FL)

US Bank VISA Credit Card In early XXXX I disputed 2 charges on my credit card for poor workmanship and service no provided as agreed. I was give credit for the two amounts. one for {$300.00} and one for {$2000.00}. I was asked to respond in writing about the dispute which I did XX/XX/2018. Each amount had a separate case number but I told them the response was the same for both case numbers and stated the case numbers in my response. 

I received a letter telling me that had had not received anything from me and when I called they confirmed that they had and I did not need to do anything else. The merchant had 60 days to reply. 

In XX/XX/XXXX I got a notice as I do every month about my payment being due and I noticed they added the {$2000.00} credit back to my account. When I called to ask them why they said I would need to speak to the person managing my case and they would call me within 24 to 48 hours. Then I received a letter dated XXXX-XXXX-18 telling me they sent a letter XXXX-XXXX-18 requesting more information on the {$2000.00} charge and since I did not provide it to them they were adding it back to my account. This request was never sent to me. 

The next day I received a letter dated the same XXXX-XXXX-18 telling me they have found in my favor for the {$300.00}. I called to try and speak to someone and was told they would call me in 24 to 48 hours. 

Since my only communication regarding the dispute was sent XX/XX/2018 and I had not sent anything else to them, it is unimaginable that they could find in favor for one of the claims, ( Lowest ) and not the other. Both claims were addressed in the one response and they should have either rejected both or accepted both not split it. 

I have since called no less than 7 times each time never able to speak to a supervisor or anybody and told they would call me back in 24 to 48 hours. They even said they called and I told them I take my cell phone with me and I never got a call. They even said they left a message so on top of never getting a call I never got a message. I take my cell phone every place along with all documentation to discuss if they ever call and they never have. 

Now we are beyond time frames and they have been extremely negligent in dealing with this matter. I have written to the CEO called many many times and no return calls.
Consumer complaint received 2022-12-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Over 45 days ago sent in letters to the bureaus informing them about inaccurate items reporting to my credit profile and I have yet to hear anything from them. I feel like I am being taken advantage of and the matter at hand is not being taken seriously. They are in major violation, and this have caused me a huge amount of stress. I will take this matter to court if I have to. Please help me resolve this issue.
Consumer complaint received 2022-10-09
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)

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. 
XXXX Account # XXXX, has violated my rights. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports | U.S. Code | US Law | LII / Legal Information Institute.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Hard Inquiries Unauthorized XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 2022
Consumer complaint received 2022-02-09
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. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX ***** Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX ***** XXXX XXXX, XXXX Balance {$12000.00}
Consumer complaint received 2024-03-06
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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (GA)

Dear CFPB, I was contacted by Lending Club who I recently filed a complaint with you about regarding my identity theft. They failed to report back through you with a very threatening email. On XX/XX/2022 I received an email from XXXX XXXX XXXX giving me a deadline to respond to within 15 days when in fact they should be communicating to you at the CFPB. This is an example of their unethical business practices and how they chose to ignore what I've been communicating for years. 

I responded back to XXXX XXXX asking him to only communicate to you at the CFPB. This account was a part of my identity theft and they are continually choosing to destroy my creditworthiness with an account they no longer own. I keep asking that they please follow FCRA reporting act with regards to furnishing information that is untrue. 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).