davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NY)

I purchased a home in XXXX. the whole family caught XXXX in the month of XXXX. I lost wages until XXXX then the home I purchased the gas company cut my line from the street from XXXX until XX/XX/XXXX we was stuck we had to move out the home and move with family and we are behind XXXX k in mortgage dont know what to do Im here asking for help Im from XXXX  XXXX  XXXX I also purchased the home in XXXX
Consumer complaint received 2021-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

ON XX/XX/2021 I CONTACTED EXPERIAN VIA CERTIFIED MAIL AND PRESENTED THEM WITH AN AFFIDAVIT OF TRUTH. AS WELL AS A CFPB COMPLAINT THE COMPLAINT WAS FRAUDULENTLY CLOSED OUT BY EXPERIAN. EXPERIAN CLAIMED THAT THIS COMPLAINT WAS CLOSED OUT DUE THE COMPLAINT AND MAIL BEING SENT IN BY AN UNAUTHORIZED THIRD PARTY. THERE IS NO THIRD PARTY WHICH THEY ARE AWARE OF BECAUSE MY AFFIDAVIT WAS NOTARIZED AND AT THE TIME OF NOTARY I HAD TO PRESENT A DRIVERS LICENSE AND SWEAR THAT ALL INFORMATION ON THE AFFIDAVIT OF TRUTH WAS ACCURATE. EXPERIAN HAS PULLED THIS STUNT TOO MANY TIMES CLAIMING THAT THE LANGUAGE WAS TOO PROFESSIONAL. ACCORDING TO FEDERAL LAW ALL CONSUMERS HAVE THE RIGHT TO EXERCISE LAW FOR THEMSELVES. AS A FEDERALLY PROTECTED CONSUMERS HAVE DECIDED TO INVOKE MY SPECIFIED REMEDY. HOWEVER AS OF NOW EXPERIAN HAS VIOLATED MY CONSUMERS RIGHTS 24 TIMES AND I HAVE DEMANDED THE REMOVAL OF 5 ACCOUNTS AND I WILL SEE TO THE FACT THAT THEY ARE REMOVED IMMEDIATELY OR I WILL NOT HESITATE TO ESCALATE THESE VIOLATIONS. AS THEY HAVE VIOLATED MY RIGHTS, DEFAMED MY CHARACTER AND HAS WRECKED COMPLETE HAVOC ON MY LIFE. EXPERIAN ALSO DO NOT HAVE A DIRECT POINT OF CONTACT FOR CONSUMERS WHICH MAKES RESOLVING ISSUES EVEN MORE OF A TASK.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-07-21
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)

This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (MO)

I previously disputed these inaccurate accounts below and XXXX  to be specific keep sending me and my wife computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. 

Accounts Being Disputed : 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (OH)

I discovered a lien on my credit and after calling around for hours was able to find out that it was levied by the State of Ohio due to issues with filing in 2014. Reliant Capital Solutions was supposedly employed by the state to collect on this debt. Reliant Capital Solutions refuses to acknowledge that I have worked with the State of Ohio to resolve this issue and insists that I owe over {$2000.00}! In actuality, the State owes me {$160.00} for tax year 2014. XXXX ( refuses to give last name ) at Reliant treats me extremely poorly and refuses to acknowledge that I do not owe monies to the state. His only concern is when will I send him a check in excess of {$2000.00} to remedy the debt ( which I do n't even owe ). Please check with the BBB and run a XXXX reviews search to see dozens, if not hundreds of similar complaints. I believe reliant is a fraudulent company and they should be investigated. I guarantee they are breaking laws and praying on innocent people who do n't know better than to contest the claims of this company. Please investigate them and put and end to this extortion! ( I have attached copies of my 2014 XXXX and state tax filing to confirm my report. )
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all XXXX credit agencies ( Experian, XXXX and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except Experian and XXXX. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from XXXX company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that Experian, XXXX and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from Experian and XXXX stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XX/XX/XXXX and XX/XX/XXXX which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his Manager XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only XXXX listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-07
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. (MD)

XXXX XXXX has utilized an outside company to record this information. I have not authorized the mystery company to transmit my personal information without my approval. According to 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : A consumer reporting agency can not furnish an account without written instructions. Here is the docket number XXXX this info I have not authorized a private company to possess and provide this information to XXXX XXXX.
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Law Offices of Mitchell D. Bluhm & Associates (CO)

I tried getting in contact with a supervisor and they refused to service me or have any contact as I requested a cease and desist in communication. 

Please refer to my Consumer Rights stated below that Im allowed too exercise because, I identify as a consumer 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I dont owe a debt of any company of such also this is a violation of : 15 U.S. Code 1692g - Validation of debts Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

Please show me the original contract and statement of my signature XXXX, XXXX without recourse with the right to rescind. 


Your company has 30 days to produce me the original contract with my legal signature. This is the tangible instrument your company fails to show and provide to at all with this document stating I will be sued if, I dont disclose personal information. This is considered identity theft for the falsifying information in an attempt to violate my privacy.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my several attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}
Consumer complaint received 2022-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My savings acct. was allowed to fraudulently pay out a Check on XX/XX/XXXX for {$30000.00}. Please note this is my savings account which doesnt even have a check. XXXX days later I notified what had happen they allowed a fraudulent check to pass thru and take my money. I complained within a few days and filed a police report about a day later. And they sent me a letter dated XXXX XXXX, XXXX and declined the claim. 

They declined reason was because their review we found that you did not take the appropriate steps to protect your account from theft or unauthorized use. We will not reimburse your account. When we spoke with them, they suggest I said that I pre sign my checks, which I do not. But again, the acct. was a savings acct. with no checks. 

The check was to a online watch company, in New York and the address on the false check was from an address in Florida. I live in XXXX XXXX California. 

Ive been back to the Chase Bank a number of times filing reports, affidavits and police reports and they still havent given any of my money back.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (AL)

I sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/2024 to be removed. They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC1666b ( a ) Time to make 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, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MO)

I have been trying to reach my mortgage lender, New Rez Mortgage, by phone for some time. I have tried both customer service numbers found on their website, but continue to get a fast busy each time I call. Additionally, I tried to email the individual who processed my loan and received an automated message indicated the email address is no longer valid. As a result, I am not able to reach anyone and am extremely concerned of the viability of this company. Any assistance or information you can provide would be most appreciated.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo, was the carrier of my loans I purchased a XXXX XXXX XXXX  back in XXXX the car interest rate was very high also had to have the transmission replaced after two years warranty was still on the vehicle had to come out of pocket for this problem a couple of times just got rid of the car in XXXX made complaints to Wells Fargo they didnt have no concerns about my problem or didnt offer me any help had to still pay a note on the vehicle as well as getting the vehicle fixed. I purchased my first home back in XXXX Wells Fargo was who I was paying my mortgage to an interest rate was high they turned it over to another carrier after serval years of high interest of payment they wouldnt help me with a refinance or anything also wouldnt help me refinance my XXXX XXXX didnt no why they wouldnt help me with any of these issues I am still banking with them they arent good taking care of their consumers.