davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Contacted TransUnion via telephone to initiate Fraud Alert. Automated system forced me to listen to extensive sales pitch for TransUnion 's identity theft product. After I declined product had to listen to another sales pitch to confirm I did not want my identity protected. I know enough about this product type to know this is not a good product for me but other people may be conned into purchasing TransUnion 's product. TransUnion 's imposition of mandatory sales pitches to customers trying to protect themselves from fraud is dishonest and manipulative because it preys on a vulnerable demographic.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (WI)

2 phone calls to my home phone number trying to identify who is handling the estate of my late mother. XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. Left lengthy messages to call back XXXX. 
one letter sent to my dad 's home to contact XXXX XXXX on outstanding debt for my late mother sent XX/XX/XXXX. 
This company must comb through the obituary notifications and contact people via web searches affiliated with the deceased to harrass them and get people to pay money, which they do not owe. My mother has no debts and my father 's life savings was depleted in paying every single one of the expenses she incurred while she was alive. This company is a group of disgusting, parasites. Not sure how they look themselves in the mirror every day let alone wake up every day!
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (PA)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19.
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (AZ)

First off I paid off a repo ( that I believe was unjustly taken ) in full through a collection agency XXXX XXXX XXXX At the time ( X/X/17 ) I paid it off they said they would remove the account from my credit report. They were representing Exeter finance who 's response was we do n't know who XXXX is we deal with XXXX so you need to deal with them regarding this account. Fair enough - XXXX sold the account to XXXX XXXX who then sold it to XXXX. I was told the account would be removed from my credit report - It has n't nor do I think it will after numerous attempts to dispute with the 3 credit agencies. That 's complaint number one - Complaint number two that I 'm more upset about is at the time of the repo I was going through a rough time with my wife. She was living in AZ and I was in FL living and working on a project. During that time payments fell behind ( 2 months ) and she called Exeter to come and get the vehicle. Problem is her name was not on the loan agreement nor did they have any business picking up the vehicle at her request. I called Exeter and they could not provide any evidence that they tried to call me personally, all the conversations they had were with my wife. I did not find out about all this until it was well over with. I also spoke with someone in their repo dept and they said they sent a letter to an AZ address explain the loan was in default and they had the right to repo weather it was volunteer not. By AZ  law they said that 's all they required to do. I researched it and yes that is true but you must sent the letter to the state where it is registered which was Florida. This is my last attempt to get this off my credit report before I contact an attorney.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal and non-verbal permission 15 USC 6802.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

FAIR COLLECTIONS & OUT/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Alleged account XXXX Date opened XX/XX/XXXX {$7400.00} bal I do not owe this company. I never had an account with them and the company they claim to represent is a apartment building that I do not owe and have previously taken to court for overcharging. Court found me in favor back in XXXX but somehow these companies have put this fraud balance and negative collection on my credit report. I have disputed it but they keep putting it back. XXXX states it can only be disputed by cAlling XXXX reference Report # XXXX. But this is an automated system that doesnt allow you to speak to representative.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

I received a credit monitoring alert that a new address was added to my Equifax credit report. When I checked my credit report, Equifax is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NM)

ERC  ( debt collection company ) claims to have an account from   XXXX   XXXX   XXXX   to collect {$30.00} owed. I have been receiv ing notices for about a year now and call   XXXX   XXXX   XXXX   every time. We have never owed them and   XXXX   XXXX   XXXX   continuously advises me we owe nothing, this is a known scam to them and to ignore the debt collection company. The debt collection company has been notified every time they call and they refuse to stop sending mail and calling.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (UT)

A debt in the amount of {$170.00} has been placed on my credit report by collection agency of Caine and Weiner ( on behalf of XXXX XXXX ).
This debt has been settled/satisfied and closed by XXXX XXXX as of XXXX/XXXX/2017.
This debt has been removed THREE times over the past five months, but continues to resurface on my credit report!
This matter has made me feel frustrated and helpless in my efforts to repair my credit report. Each time the debt resurfaces onto my report, my credit score is affected. My credit score has been going up and down like a Yo-Yo, jumping from XXXX to XXXX, due to this debt.
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PLEASE HELP!
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXXXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2019-03-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. Experian shows {$0.00}. XXXX shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXX Shows XX/XX/XXXX. Experian shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send  XXXX  and Experian alerts to remove the remarks because no investigation was done by the companies in a timely matter.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Experian Information Solutions throughout the year via CFPB about the inaccurate reporting of non-public information.As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AR)

To whom it  may  concern : In 2013, I cosigned a loan fr om Santander Consumer f or a  XXXX   XXXX   XXXX . Since then, the signee and I have experienced problems, ranging from lost payments to unfulfilled agreements. One of the more pressing issues, however happened last  XXXX , when they repossessed the vehicle without any letters or notifications to let us know. Worried about my credit, I called Santander and negotiated a reinstatement amount ; they also agreed to remove the repossession since I was going to pay. As a cosigner, I went ahead and paid the full amount and I retrieved the car. However, the agreement was not kept. The repossession was not removed from my credit. Thus, I would like to formally request the removal of the repossession last year from my account and credit report. I have made several payments since then, as well as going so far as to pay extra. As a second point of contention, I would like to request a reconsideration of the interest rate on the vehicle, pursuant to the Arkansas ursery law. he current rate of the loan is 20.6 %, which is 3.6 % over the Arkansas cap of 17 %.
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Cap ital one cl osed  XXXX  of my accounts because I 'm visually impaire d. Fraud  took place on  XXXX  of my cards by a care giver. I constantly calle d Capital One to ask  what was going on and the moment I told them I relied on their information about my accounts because I was unable to see, all  XXXX  of my accounts where closed. I believe this is not only unfair but illegal.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AR)

Hi, on XX/XX/XXXX my mobile login was compromised. I reported this issue on XX/XX/XXXX to a Wells Fargo fraud representative. I was not held liable for the unauthorized activity and my account was re-instated. Today XX/XX/XXXX my card was not working for available funds in my account. I call fraud department and they told me the block ( to confirm my attempted charge ) was removed off my account and that it was active. I had 3 more instances of calling in to unlock my card in which I had no success resolving that. It wasnt until a rep finally told me I had an additional block that required loss and prevention to remove. Upon calling loss and prevention on XX/XX/XXXX I was greeted by a very XXXX  rep who deflected my integrity and told me that I never spoke to a fraud department rep about reinstating my account for the unauthorized activity that took place. She continued to get louder and louder as I stayed calm asking for her to check any possibly notations. The rep then replied to me nope nope nope you did not even speak to anyone. This is deflecting my literal experience as a wells Fargo customer, as I DID speak with a representative who assured me my account was reinstated and active with no blocks. She continued to tell me that I never spoke to anyone in the past, even though all calls are recorded and notated. I am stuck with a restricted account with no explanations for why I can not access my funds and why my account is still restricted for unauthorized activity I shouldnt be liable for. I am unsatisfied with the unprofessionalism and arrogant attitude from the loss and prevention rep I spoke with.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

In XXXX I was informed that my personal files had been lost/stolen during my tax preparer relocating. I was advised to monitor my credit report going forward. I recently pulled a copy of my credit report and noticed accounts from XXXX, XXXX, and XXXX XXXX. I have no knowledge of these accounts, nor have I applied for any account with these creditors. I informed the credit bureaus of the incident in XXXX, and recently contacted each bureau in XX/XX/XXXX and XX/XX/XXXX. I requested verification of these accounts. Furnishing accounts to my profile without my knowledge or written consent is in violation of 15 USC 1681B. 

I researched each account and they have been opened due to identity theft. Furnishing these accounts to my profile further violates 15 USC 1681c-2. No accounts that I have no knowledge and are due to identity theft should be furnished to my profile. 

I also noticed inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX. I have not authorized these inquiries or given any permission for them to be furnished to my profile
Consumer complaint received 2017-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against RECEIVABLE PERFORMANCE MGMT for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc. (GA)

I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX, 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent on my credit report. I requested to remove. 
XXXX XXXXXXXX. XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX reported me XXXX, XXXX, XXXX, XXXX days delinquent. I asked to remove. 
XXXX XXXX, XXXX XXXX reporting late payments every month. I requested to remove. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX reporting delinquent on payments XXXX, XXXX XXXX days. I requested to remove. 
XXXX  XXXX reporting XXXX days delinquent on my credit report. I requested to remove. 

these banks are all reporting and violating 15 USC 1681 section 602 section 604a section 2
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX during COVID-19.
Consumer complaint received 2017-04-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My mother sold her home in  XXXX   XXXX . The home was located in  XXXX  NY,  XXXX . My mother owned the home free and clear of any debt at the time of the sale. During the title search it was found that there was line of credit for {$28000.00} taken out against the home in  XXXX . The line of credit was paid off sometime on the late  XXXX  's. My mother can not find a copy of a release letter, or statement indicating the line of credit was paid off. Due to outstanding line of credit on the title search, {$30000.00} was held in escrow ( by the attorney ) pending receipt of a lien release letter. The line of credit was initially taken out with  XXXX   XXXX   XXXX , which was ultimately acquired by HSBC Bank. I have tried numerous times contacting HSBC regarding this issue. I would estimate I have called th em 20-30 times  and emailed/mailed/faxed at least 10 times. I have also had an attorney call them several times and send at  least 2 or 3 letters . I do have extensive documentation and timelines that I can provide.
Consumer complaint received 2022-09-09
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)

This is my second 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. 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. 
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 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