davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XX/XX/16 Balance {$750.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-07
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: Adela, Inc (MS)

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. 
List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XXXX XXXX is not being reported on Equifax or experian reports. it was opened XX/XX/XXXX, XXXX CARD is also not being reported on equifax. account was opened on XX/XX/XXXX.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (TX)

I am writing to file a complaint against Monterey Financial Services LLC, located at XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. 

Monterey Financial Services LLC transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. 

Furthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. 

Monterey Financial Services LLC has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code Monterey Financial Services LLC 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.
Consumer complaint received 2022-08-18
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 168 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with out my written permission without my written consent. 

I've tried to dispute with them on my own and dispute results were just " consumer disagrees '' and nothing has changed.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion continue to report public record items their public records vendor has clearly stopped reporting ( see attached ). XXXX and Transunion are in violation of FCRA regulations ...
Consumer complaint received 2022-08-18
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. (MI)

This is my several endeavor 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, 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 2020-02-06
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. (CA)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts.
Consumer complaint received 2022-10-07
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-18
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/XXXX Transunion Attn : XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Transunion. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Best regards, XXXX XXXX
Consumer complaint received 2022-09-05
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)

Experian XXXX and XXXX have yet to provide me with their methods of Verification for a XXXX loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for an extension of credit on XX/XX/2022 and received an adverse action letter stating I was denied. 
American Express stated in the attached letter the reasons for their decision was based on items that were on my XXXX credit report. I did not give them written permission for them to access my credit report. Company procedure does not supersede federal law. This is a direct violation of my rights as a consumer. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1602 ( p ) makes it clear that they committed fraud and used my credit card ( social security card ) without my authority and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Consumer complaint received 2020-02-06
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)

Equifax is in violation of my HIPPA rights. 

" The collection company '' is also in violation of my HIPPA rights. 

There is also no information for me to dispute. 

No company name, no address, no phone number. 

I'm not sure how Equifax is reporting this.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I lived in my home for nearly ten years with never missing a single payment. My initial Mortgage was with XXXX. I did not escrow my taxes and I paid them directly. On the last day taxes were due I drove my family to our local courthouse and paid the entire tax amount in CASH as a lesson to my XXXX  kids that we never own our hours. Six weeks after I paid the 3 different tax authorities XXXX XXXX  paid the same 3 taxes. 

XXXX then put me in a Escrow account, - {$8000.00} for the taxes they paid and then an additional - {$100000.00} for the next years taxes. They attempted to auto withdraw XXXX from my bank as I was set up on autopayments. My bank reversed teh XXXX withdrawn as the funds were not available. 

XXXX said they would get the refund from the tax authorities and then back out my fees and added interest. 

I continued to make my normal Mortgage and interest payments and XXXX applied this to my neg escrow and not my loan. Incurred late fees every month and did not pay down the principle due to XXXX not applying the payment to my loan. 

I was assured all along once the tax issue was fixed they would back out all of the fees, extra interest and get me out of the escrow account. 

While this was happening my loan was transferred to Seterus and I started the process all over again. Once again they assured me that once the issue was resolved all of the fees and extra interest would be backed out of my loan. 

I sent them all of my documentation of my payment and the payment from XXXX to the same 3 tax authorities. 

They claimed they were researching my issue but they raised my monthly mortgage payment from {$1500.00} to {$2500.00} per month. When I got behind they threatened me with foreclosure and being evicted from my house of 12 years. They forced me to refinance my mortgage, they doubled my loan term to 40 years, raised my interest rate and I had an extra $ XXXX of principle added to my mortgage. They said I had NO choice and once the tax situation was corrected they would convert back. 

Then my loan once again changed hands to Mr.Cooper. 

I have over 80 hours on the phone with Mr.Cooper, they are telling me the same story as the previous two companies. Every 2 hour phone call ends with, " We will research the issue and get back My loan is backed my XXXX XXXX and I called them today as well. 

Right now my complaint is with Mr.Cooper and their one year of not once researching my issue or returning my calls.
Consumer complaint received 2022-09-05
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)

There are late payments on my report that is causing me hardships and stress. I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of billing error ) you are illegally reporting transactions on my consumer report. According to 15 U.S. Code 1681b, permission is needed to report on my consumer report.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (OR)

I bought a car and signed a loan with VW Credit at the end of XX/XX/XXXX. The term of the loan was 60 months. I planned on paying off a large chunk of it right away to reduce principal, and make larger than normal payments to get the entire thing paid off in a couple of years. I had the finance person at the dealership verify that this was acceptable to the terms of the loan and he told me all I had to do was go online and submit a large payment through their portal ( https : //www.vwcredit.com/Authentication/Login ). 

I did this, and thought that was all I needed to do. After making several more large {$1000.00} payments in the next few months, around XX/XX/XXXX I realized something was off with my bills. Every month it said {$0.00} owed and the next payment wasn't due until XX/XX/XXXX! What's going on? After some investigation, it looked like XXXX was taking my money and putting it in some hidden account I don't have access to, and paying my regular monthly payment into it ... So I have thousands of my own dollars that can't be applied to principal and can't be withdrawn or used. I called XXXX support in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX. All 3 times they said they would fix it for me. On one occasion they told me they would call me back the next day just to make sure I was okay with the result. I never received a call.

I just received my most recent bill and nothing has been changed. At this point I'm going to have thousands of dollars of extra interest.

None of the payments I have made have gone to principal. They have all gone to some phantom account I don't have access to. Despite the terms of the loan agreement *and* the finance manager at the dealership telling me otherwise.
Consumer complaint received 2018-03-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Nationwide Financial Group (FL)

On XX/XX/2017, I sent Nationwide a copy of my driver 's license, power of attorney ( notarized ), a signed authorization form and the title to the XXXX XXXX motorcycle. Before mailing them to Nationwide, I made XXXX copies of the documents and scanned them to my wife 's email so that we would have documentation of what we forwarded to Nationwide. 

Nationwide insists that they never received the title to the motorcycle. I spoke to them on several occasions letting them know that the required paperwork was sent to them. In addition, Nationwide has raised my interest rate from approximately 7 % ( the reason I chose to refinance with Nationwide from my original lender XXXX XXXX ) to 24. 99 %. My monthly payments have gone from XXXX to XXXX a month. They have done so because Nationwide claims that they never received my title. 

Additionally, I called and asked to cancel my motorcycle insurance ( as I had relocated to Florida and would no longer be required to have insurance ) and yet they failed to update my account in a timely manner. They have sent my account into collections and a collection company is charging me XXXX. I was always on time with my payments and this is an unfair charge.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-02-06
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. (CA)

Experian is in violation of my HIPPA rights. 

XXXX XXXX XXXX is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

XXXX XXXX XXXX is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

Experian is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from XXXX XXXX XXXX that was sold by XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (MS)

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report