davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
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. (FL)

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2022-03-09
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)

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows and is not mine XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc. (TN)

In XX/XX/XXXX, I went to XXXX XXXX XXXX apartment hunting prior to my lease end in XX/XX/XXXX. XXXX showed me an apartment in the office building. There were 3 students living there who were to move at the end of their lease. I paid a fee est {$150.00} for credit check which he stated was required. I signed the lease for that apartment. I made arrangements with XXXX XXXX to extend my lease until XX/XX/XXXX. XXXX stated XX/XX/XXXX as my move in date. However, he called prior stating he students decided to remain in the apartment. I returned to the office. XXXX showed me floor plans for a building under rehabilitation to covert into apartments. I chose the one I wanted. He stated a new lease would be signed when I returned to pay deposit and first month rent. I was told by him before XXXX that the rehab was not complete. Every time I drove by the building I saw work was continuing. The parking lot was not complete either. For nearly a year, I was XXXX. I stayed in hotels, with my sister, nephew, friend or traveled to Tennessee to stay with my son. I constantly called about the apartment and told it was still under rehabilitation. I never paid anything other than the credit check fee, saw the apartment, received a key, signed a lease for it or informed it was ready to move in. I was making all the contacts. I learned of the collection in XXXX when I applied to refinance my mortgage at XXXX XXXX. XXXX told me after I told what happened with the mortgage that he was contacted. He was with when XXXX showed me apartment in his office building. 
Regarding XXXX. XXXX ( XXXX XXXX, acct. # : XXXX ) for {$1200.00}, I do not owe that amount if I owe anything. I maintained my same cell phone number and have/had accounts with XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00}
Consumer complaint received 2022-03-09
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. (NC)

Know that the following inquiry was unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Transunion 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 

XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (NC)

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2018-08-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (AR)

I disputed the collection originally because I had payed the debt approximately 5 years prior to the XX/XX/XXXX posting on my credit report. I sent a formal complaint through the credit bureau and called allied to dispute and validate the debt of {$260.00} around XX/XX/XXXX. I never received any letter of validation. It was removed from my credit report around XX/XX/XXXX. Now they Put it back on my report as of XX/XX/XXXX. 

Gentle breeze payday loans Allied collection service
Consumer complaint received 2018-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MI)

I pay my mortgage through a company out of California, Seterus. I fell behind after a forced retirement, eventually Seterus sent me a modified payment offer, I was told in the documentation as long as I made three consistent modified payments my payment would be the same lower amount for the remainder of the loan. After the third payment Seterus now shows me three months behind with none of the previous three payments being applied to principle or interest. 
I believe I was scammed under the assumption my payments would be up to date after the three lower payments. I am now 90+ days behind on my mortgage, Had I not taken to the scam, I would only be one month behind or caught up by now on payments. At the very least I would have made three full, regular, payments in lieu of three smaller payments. 
Seterus knows I can not afford an attorney for a law suit. What are my options? 

Thank you for your help. 

XXXX XXXX
Consumer complaint received 2018-08-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (TX)

As per Credit Karma, I got this hard inquiries that I dont allowed and recognized. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 

XXXX XXXX Inquiry from XXXX XXXX, 2018 Miscellaneous Reptg. 

XXXX XXXX XXXX is conducting fraudulent businesses pushing consumers to high rates and placing unsoliciting insurance just like XXXX XXXX case. I been contacted this company several times and tried to negotiate and allowed them to do the right thing without luck, illegally they towed my vehicle, later released and asked for apology. I have record of all incidents. All these been causing hardship to me and my family, afecting my credit score as well.
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I have contacted XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/2018 at XXXX and signed for by XXXX ; XXXX XXXX XXXX XXXX on Wednesday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Thursday XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Friday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX ; XXXX XXXX XXXX XXXX on Wednesday, XX/XX/2018 XXXX XXXX and signed for by XXXX XXXX. 

Unauthorized lates fees per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$27.00} ; 2 ) XX/XX/2018 - {$37.00}. 
Unauthorized Finance Charges per the Fair Credit Billing Act of : 1 ) XX/XX/2018 - {$70.00} ; 2 ) XX/XX/2018 - {$72.00}.
Consumer complaint received 2018-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

We are trying to refinance our mortgage but Ditech has not been providing the information we are requesting them. We are asking them to provide a mortgage rating for our First and Second loan with them. Our Broker, XXXX XXXX, requested a verification of mortgage on XX/XX/2018. He called the following day and was told that they will provide it to them. They fax the balance of our mortgage to him but did not include the mortgage rating he was requesting, he was told that it will be provided in six business days from XX/XX/2018 but they kept sending the same information. We called, last Monday, XX/XX/2018 and was told that it will be mailed directly to us within 3 business days but never received anything. It appears that they our sabotaging our wish to refinance and seek your help to direct them to do their job and provide a mortgage rating for the past 12 months for our first and second loan with them so we can close our refinance transaction. We don't understand why they are doing this to us.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I have unauthorized inquiries on my consumer report. I didnt give these companies permission to check my credit. I dont know who gave them permission.I went to a car dealership with my own approval. They were informed that I had my own funding and i supplied them with my own approval letter. None of the listed companies had permissible purpose to check my reports. 

These are fraudulent. Also i have credit card inquiries that i did not authorize. The I called the credit reporting agencies last week and they refused to help me and told me to call the banks myself. As i understand Consumer reporting agencies have a duty to report 100 % accurate information and i am notifying you that you are reporting false information.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
...... 
This is hindering me from doing the things i am trying to do. 

The inquiries are : XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

ChekSystem did a temporary quick fixed on about end of XXXX XXXX then I can open an account on XX/XX/XXXX and now after I tried to open an open in XX/XX/XXXX but bank decline to open an account and referred me to ChekSystem again. So far since XX/XX/XXXX up to date I have never have any activity with loan or any credit card with any finance institution. I need ChekSystem to fix the problem not just only did it for temporary only
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX  XXXX  Account # : XXXX Account Name : XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/2017 Reference # : 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 2020-07-29
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: WELLS FARGO & COMPANY (PA)

I am begging that the late payment for XX/XX/2019 from WF/XXXX XXXX XXXX be removed from my report. During that time, I got laid off and did not have any money to make payment for that month, however, I managed to borrow money from my relatives to cover that 1 late payment. I have been paying this account religiously since then and now, I am trying to get a better position in our office but this 1 late payment is really affecting that promotion negatively. I desperately need this promotion and I would be extremely appreciative if this late payment will be removed. I have been contacting WF/XXXX XXXX multiple times to get some help but to no avail. During this pandemic season, I need this promotion even more so please help me.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Sir, I have been observing in my Trans Union report that XXXX XXXX/XXXX reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX  balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.
Consumer complaint received 2023-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

A company by the name of Complete Payment Recovery Services , INC sent me a letter saying I owe for a return check and a fee. The address of the company is from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and it has a return to address which is Complete Payment Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and the phone number is ( XXXX ) XXXX. They are asking for my banking information to collect a debt and it has a control number of XXXX. I called the company they are trying to pretend to be which is XXXX. The mail is trying to pretend to be from XXXX XXXX XXXX XXXX XXXX I called XXXX XXXX and they said it was a false information mailed to me.
Consumer complaint received 2022-03-09
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)

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I had to file bankruptcy in 2013 after losing my home due to the predatory mortgage crisis. 

It has now been 9 years. XXXX removed this off my credit report. I requested to XXXX and they removed this from my credit report within the hour. 

I requested Experian remove this and I disputed it. Experian states this is valid and " it remains. '' I am not disputing the validity. 
I have requested they remove it because it's been 9 years and I am still being penalized with higher interest rates.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying to fund my brokerage with XXXX however the bank is not allowing me to transfer available and verified funds and has blocked the use of my Atm Debit card as well as ACH transfers to this company.
Consumer complaint received 2023-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.