davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
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)

On XX/XX/2019 I check my credit report and notice someone had stolen my Identity and open credit card accounts and cars in my name. I filed a police report and a FTC report. I am just would like to get my name back and have the credit reporting companies to please delete the items form my credit report. 

Thank you
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

XXXX XXXX XXXXXXXX. 
Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured LOC Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

My mortgage was sold to BSI Financial Services. I am in the middle of a flood claim and have a check from my flood insurance company, but it has to be endorsed by the mortgage company. BSI refuses to answer any phone calls or email me back, and I have been unable to speak to them, and in the meantime I owe TENS OF THOUSANDS of dollars to my flood repair specialist that I can not pay because I can't cash the flood insurance check without BSI 's involvement.
Consumer complaint received 2020-11-22
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX  CARD XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

There was a computer glitch that was with Transunion that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them.I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. Could you help make TransUnion stop victimizing me. Can I please have a resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added.
Consumer complaint received 2017-12-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (CA)

Note : This is separate from previously filed complaints and only refers to the two most recently made payments of XX/XX/XXXX and XX/XX/XXXX. 

Website login gave scheduled payments as above- XX/XX/17 and XX/XX/17. 

Both payments were submitted as scheduled and were properly receipted and reflected in payment history. 

However, neither affected the interest nor the principal balances shown, which remained unchanged. 

In addition, neither payment was reflected in reporting to consumer credit reporting agencies
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have been disputing this collection from day one because I tried working with the company about the balance because I didn't realize the card was stolen. They didn't want to work with me, the next I knew it was collections, This is the is the 3rd or 4th collection company since it went to collections. According to what I see it closed in XXXX, the amount is {$730.00} it is now XXXX which is over the 7 year limit to collect a past debt, plus it has been sold to multiple collection agencies. 
By what I know and have been told a company or a collection agency can't keep selling a debt past 7 or 10 years not sure on which one. I had to quit answering their calls because I got stressed every time they called and most times like always when I've had to deal with these collect companies they don't give you a chance to talk and have always been very rude and mean speaking.
Consumer complaint received 2022-04-05
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. (OH)

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to EXPERIAN INFORMATIONS SOLUTIONS, INC and there is no third party involved. EXPERIAN INFORMATIONS SOLUTIONS , INC has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND EXPERIAN INFORMATIONS SOLUTIONS, INC VERIFICATION METHOD. WITHOUT RECOURSE.
Consumer complaint received 2022-01-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: DMB Financial, LLC (AR)

Please make everyone aware of horrific tactics used by DMB Financial , LLC. I signed a contract with DMB in 2018 to assist me in debt management. I paid DMB monthly payments, and was asked to follow a process of not making payments to my creditors, not answering my creditors phone calls and signing over my authority to work with my creditors to DMB. Sadly, DMB ended up asking me to take back several of my accounts and they did not finish the rest of my program. They wanted me to continue with additional payments, which I can not afford because I had to fix the mess and much larger balances on the accounts I had to take back because of DMB. I also was sued by three creditors in the process. Also, in checking my credit report, I found out that DMB had reported a check lost in the mail excuse to one of my creditors, who charged off my account. Now, I have been rejected for an apartment due to my credit status. I am heartbroken that I ever believed this companys lies to me.

Essentially, I was managing my credit and had a good credit report before DMB. Now, my credit is a mess. I simply do not know how to fix what DMB did. I can not believe I PAID this company to ruin my credit.
Consumer complaint received 2019-10-31
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA 19016 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX  XXXX XXXX XXXX Unverified Account Creditor Inquiry Date XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2019-10-31
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)

TODAY XX/XX/19 I WAS MADE AWARE OF TWO COLLECTION ACCOUNTS AND SOME INQUIRIES ON MY REPORT THAT I NEVER OPENED. I NEVER ALLOWED ANYONE TO OPEN THESE ACCOUNTS IN MY NAME NOR DID I BENEFIT ANYTHING FROM THESE ACCOUNTS BEING OPEN IN MY NAME.
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

CCS COLLECTIONS is giving false credit information to the credit bureaus. I sent this collection agency a certified letter requesting they send me the information that shows I owe them the money they are requesting from me and all they have sent to me was some billing statement that I have no clue about. I then request them to send me the following that I never received : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request. 

This letter was sent out on XX/XX/2020
Consumer complaint received 2017-08-10
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. (NC)

FDCPA 807 ( 8 ) This is a law the companies are required to contact the credit bureaus on my behalf, and to make sure they add a sentence to my credit report within 30 days that says I have disputed the negative item in question. By law, they must do it within 30 days and they will be liable to me for damages of up to {$1000.00} per occurrence. I have proof that XXXX XXXX did not get in touch with Credit Bureaus within 30 days that I had disputed a negative item that they provided on my credit file. Experian knows they should have deleted this entry after I had contacted them about this negative item on my report. They also had 30 days to provide the statement that I, the consumer had disputed this negative item to them as well. The problem is that Experian is still trying to re-investigate this situation when they know they should delete the item from my credit report because XXXX XXXX has broken the FDCPA law. This dispute was reported in the month of XXXX 2017 and now it is XX/XX/XXXX but in XX/XX/XXXX is when Experian wants to provide the statement that I disputed this negative item on my report. It 's too late to provide this statement because it 's been after the 30 days time frame. They do n't need to re-investigate anything, just remove the negative from my credit report file. The XXXX XXXX and XXXX have removed this negative it from my credit report because of the 30 days time frame. I have proof that both Experian and XXXX XXXX XXXX have broken the FDCPA law.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (NY)

Freedom debt relief called me in XX/XX/XXXX ( XXXX XXXX ) and sold me a dream on how they were going to consolidate my debt and it would only cost 12 dollars a month. come to find out they have taken over XXXX and only XXXX has gone towards my debt the rest they have kept. and said its they fee. They started taking money from me in XXXX XXXX XXXX and XXXX XXXX dollars a month unit XXXX. for a year. Theses people are scam artist. My credit score was XXXX when i started with them now its XXXX because instead paying the debt they keep them money. SHAME ON THEM.
Consumer complaint received 2023-03-23
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. (FL)

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.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (FL)

XXXX card is the company on XXXX the XXXX they cut my card off for and unauthorized transaction and sent me out a replacement card without letting me know they was cutting my card off in the first place they said the card was expidited and its been 15 days and I havent seen my replacement card of any of my money Ive call probably 30 or 40 times and they never help me they always say they are sorry they cant do nothing about it then they sent me out another card and I still havent received it over 10 days Ive been waiting and waiting I got over a 1000 dollars in my account I cant even touch or use and I just need my money as soon as possible thank you
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (LA)

I reached out to the company that i financed my vehicle through and they have not provided me a copy of the documents I signed. They docusigned my agreement without me present. They refused to give it to me even after they took my money. now the account is not in the correct name with the bank and no one can give me an explanation.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX, XXXX XXXX  XXXX XXXX XXXX ( 30 Days Delinquent ) reported accounts with company. 

15 U.S. C1681 Section 602 A States I have the right to privacy.

15 U.S, C 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish account without my written instructions.

15 U.S. C 1681c ( a ) ( 5 ) 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shill not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. 
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
`15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the consumer, never gave XXXX XXXX Bank, XXXX, XXXX, XXXXXXXX, XXXX, or any other consumer reporting agency written permission or consent to obtain my information or to furnish my information. I have sent an opt out notice and XXXX XXXX XXXX XXXX. is continuing to report this negative, closed account within my consumer report.
Consumer complaint received 2019-10-31
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. (OH)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX never late XXXX/XXXX XXXX  XXXX not mine COLLECTIONS XXXX {$80.00} not mine XXXX {$68.00} not mine XXXX  XXXX  XXXX  XXXX {$840.00} not mine
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Allied Collection Services, Inc. (Nevada) (CA)

THIS XXXX  BILL WAS XXXX AND WAS ADDED TO MY CREDIT REPORT WITH A XXXX DATE!!! THIS IS NOT TRUE AND ID FRAUD. 
This letter is response to your correspondence concerning the above referenced account. I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233.