davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

I sent below letter and they failed to respond within 30 days. The item was delivered with this tracking # : XXXX with a signature. 


XX/XX/2018 DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$2200.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2017-08-30
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. (CO)

Please reference complaint number XXXX. 

XXXX XXXX XXXX in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXX on my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you XXXX XXXX XXXX please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with XXXX? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could XXXX XXXX XXXX please suppress this 30 day credit item from my report on that basis?
Consumer complaint received 2022-04-05
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX Late Payment XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-08-19
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX {$59.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$1300.00}
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

this is a very old debt that was bought by a collection company and they call me XXXX and XXXX  and i cant even talk to them except to tell them not to ever call me again and the next day they are calling this acct was closed years ago they are pests and driving me crazy they need to be stopped all my credit acctstoday are paid on time XXXX XXXX has helped me double my credit score in 3 months or lessshould be over 800 now XXXX was XXXX  thank you
Consumer complaint received 2018-04-01
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: SYNCHRONY FINANCIAL (AL)

This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E ) of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.
Consumer complaint received 2020-06-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CA)

XXXX XXXX XXXX was paid off on XX/XX/XXXX. I received a pay off letter from SANTANDER CONSUMER USA, which has {$550.00} XXXX dollar class action lawsuit. The letter states the loan is paid off but does NOT represent a lien release. Ive been calling them for years and either I can never get through or they say that they will process the proper title to my car. Today, XX/XX/XXXX, I went to XXXX to run a title search on my car and it still shows SANTANDER CONSUMER USA as the lien holder. Upon XXXX And XXXX search, I see there are many Complaints over many years about this company not releasing title. I need to sell the car. 

There has to be an organization that can help consumers that are being ripped off by financial institutions. Can you help?
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

A savings and Checking account was opened with XXXX and it was requested to be closed within 24 hours of opening it. They said on the phone both accounts were closed and there would be no fees. 2 months later I receive a letter in the mail stating there is a {$59.00} over draft fee and that my accounts are on hold. I called 2 weeks ago and they said they waived the fees and my accounts are now closed. 

I called again today and they said my accounts are still open. 

checking account XXXX savings XXXX
Consumer complaint received 2018-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with first progress and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent in inquire letters, and called nothing was resolved. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu 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 Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (TX)

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C 1681. XXXXXXXX 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 XXXXXXXX Has violated my rights 15 U-S-C 1681 602 A- Stat 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 instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section state : 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 conviction of crimes which antedates the report by more then seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-25
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. (TX)

As detailed in my prior CFPB complaint against Experian ( XXXX XXXX my personal credit file has been corrupted by fraudulent information that has caused innumerable financial problems to my detriment because of false names and identities intentionally included in my credit history by Experian. 

Experian 's response to my complaint of intentional fraud clearly exemplifies the premise of my complaint : Experian 's operating business model has a long established pattern and practice of intentionally including false and fraudulent information in personal credit files in order to promote their " credit repair '' scam. 

Experian will harass and relentlessly pressure every consumer who is forced to '' visit '' their website into paying monthly " fees '' for all eternity to " repair '' your credit file by removing the very same false and fraudulent data Experian put into it. This is the epitome of " conflict of interest. '' The title of Experian 's response ( Report Number : XXXX ) is classic : a request to remove fraudulent information is responded by including ADDITIONAL fraudulent information : ( XXXX XXXX XXXX XXXX XXXX Report number XXXX | XX/XX/2021 XXXX Print report XXXX XXXX Multiple fraudulent representations of my name attached to my home address has resulted in multiple fraudulent claims against me, for debts I do not owe, because of ongoing fraudulent representations made by Experian in my personal credit file records. 

IN ORDER TO PROMOTE EXPERIAN 'S " CREDIT REPAIR '' SCAM
Consumer complaint received 2020-09-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

Negligence to refund escrow funds two months after closing transaction of the sale of the property. 
I am a real estate broker licensed in California and because I understand this process, I am demanding the refund of my escrow funds. I wonder what happens with borrowers that are not aware of this process. 
As today, XX/XX/2020 we haven't received refund and we only received unreasonable excuses by email and phone calls. 
On XX/XX/2020 the sale transaction was closed and there was an escrow balance of {$2000.00} refundable to us after paying taxes and insurance. 
Initially, after waiting for Freedom Mortgage to process the refund, we called Freedom for an update and we were told that the check was mailed to the address in file. The address in file it was the address of the house that we sold. I wrote an email giving Freedom the new physical address. Freedom reply XXXX that the check was mailed to the new address, BUT Freedom didn't include Apartment number and we never received the check. 
On XXXX Freedom notified me that have initiated the process of cancelling the check and 10 days after the old check would be voided, Freedom will issue a new check. Freedom wrote : " If the funds were not cashed, we will void the check, place the funds back into escrow, and then reissue the check in the amount of {$1800.00} ''. If " funds '' never were cashed, what funds would be back to escrow? 
On XXXX Freedom wrote : " We forwarded the request to void and reissue the check on XX/XX/2020 as well to the appropriate department. The target completion date for the escrow department to review the request is XX/XX/2020 ''. 
On XXXX Freedom wrote : " Our records indicate, that the initial escrow refund check has been voided and new check will be reissued within 10 business days ''. 
My wife has been calling Mortgage on XXXX, XXXX and XXXX and get different excuses. As today, XXXX, Freedom told my wife again that the check will take 10 business days to be processed and we should receive it at the end of this week!!! 
We are lost and we really don't believe all of Freedom excuses.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The information on my XXXX credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I decided to freeze my credit with all 3 bureaus after thieves broke into my USPS mailbox and stole all the USPS mail, some likely included my personal information.

1 - No problems at all with XXXX, did it online very quickly after an identity check questionnaire.

2 - XXXX, created an account, filled out the freeze form online, but repeatedly got the message that it could not be done online. No explanation, no identity questions other than social security number, DOB and address requested.

3 - Experian, same issue as XXXX - followed the online prompts and kept getting a " can not be done online '' message on repeat tries. No explanation, no identity questions other than social security number, DOB and address requested. 
XXXX search on this strange issue in 2020 's internet era shows other people who have had XXXX and experian give them a hard time freezing or unfreezing the credits. I wonder if these companies are not purposefully making it harder on the people to freeze or unfreeze since they can no longer make money off of this service? Which should be illegal. I hope this tactic by XXXX and Experian does not continue for long. Thank you.
Consumer complaint received 2020-06-27
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)

I was at XXXX XXXX today XX/XX/2020 and I applied to see if i could finance a diamond ring, however, when they ran my credit I was told that I was not approved due to having an account in negative standing appearing on my credit history. I had no idea what account they were talking about so I looked through my credit report and I saw an account from XXXX XXXX for an amount of {$1600.00} in negative standing. This account is not mine mine ; I did not open it nor did I allow anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Began receiving calls on or around XX/XX/XXXX. They left voice mail msgs w/ a case number ( XXXX ). When I called back, they said it was in reference to a delinquent XXXX XXXX credit balance {$230.00}. I explained I've never had an XXXX XXXX credit card. After more calls, on XX/XX/XXXX I contacted XXXX XXXX 's credit services dept, which is handled by Synchrony Bank and they informed me the account was opened more than 10 years ago. Once again, I told them I never opened an XXXX XXXX account. As a result, they started a fraud investigation. On XX/XX/XXXX I contacted the collection company and told my " case worker '' ( XXXX XXXX XXXX ) that Synchrony had opened an investigation. She became very agitated and said she didn't care and told me this was my last chance to take care of this before I was served with court papers at which time I would have to go to court to dispute it, and would then be on the hook for legal fees totaling 10 times the amount of the original debt. When I asked for the date of the debt, she told me it was charged off in XX/XX/XXXX. I reiterated that this debt was not mine and wanted to wait and see what Synchrony 's investigation revealed, but regardless, it was more than 4 years old, which is beyond the Statute Of Limitations for collections in California. She again became  angry and said she didn't know why I kept bringing up Synchrony Bank as she doesn't know or care what that is and that they were going to move forward with legal proceedings against me regardless of any investigation into the matter. I strongly considered just paying it since the amount was relatively low, and filing a reply in court to dispute it would cost about as much anyway. However, every time I asked for documentation to be sent or emailed to me before I made payment, she refused. Additionally, XXXX XXXX XXXX did give me her direct number and extension, which was a XXXX number in XXXX XXXX, CA., however, when I asked for her company 's name, she said it was " In House Processing '', which - when searched online while I was on the phone with her - doesn't seem to be a valid company name. When asked if she was with a law firm or if the company had a different name or, for example, the name of the company that appears on her paycheck, she began yelling that she would see me in court and hung up.