davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-21
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. (TN)

This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FCRA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. 

I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction.

You have reported such information in my consumer credit report. I have numerous recipes of attempts to try to correct your mistakes PURSUANT to 15 USC 1681a ( 2 ) ( B ).

Each time Ive disputed these accounts you have them listed as Accurate and verified. You have only verified information never validated. IF you have of validated the information you would have followed federal laws and removed the violations long ago. Your in violation of the following 1681a ( d ) ( 2 ) ( I ), 1681a ( d ) ( 2 ) ( b ). Ive never given you written instructions to report certain accounts neither did you allow me time to decide whether or not I wanted such accounts to report. And if each account is accurate and verified that means youve violated 15 USC 1681a ( 2 ) ( B ). 

Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former XXXX XXXX XXXX ; the Trust Territory of the XXXX XXXX ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document. 

After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.
Consumer complaint received 2018-03-28
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)

On XX/XX/XXXX I submitted disputes to Experian in regards to 40 accounts that were reporting improperly on my credit report. Me and my Husband had a BK onXX/XX/XXXX ( discharge date ) that which these items were included. On XX/XX/XXXX Experian claimed these were " investigated '' ( in less than 24 hours? ) and remained the same. I then again, disputed these items with the legal documents ( attached ) on XX/XX/XXXX ( I do not have the ability to upload the complete BK file, it is too large ) and again on XX/XX/XXXX Experian refused to properly update my report. Isn't this against the BK law? What can I do? Do I need to take Experian to court? I would greatly appreciate your help.
Consumer complaint received 2017-08-02
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: EQUIFAX, INC. (LA)

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. However, Equifax just placed a fraud alert on my account that I didnt authorized as well. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit  Reporting Act whereby 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. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP (NY)

I had two loans with Key Bank. One ending in # XXXX and the other ending in # XXXX. I lost my job and was unable to pay said loans and agreed upon a settlement for both loans. I received letters showing the acceptance of the agreed settlement amounts. Correspondence regarding these loans and the settlement agreements were dated between XX/XX/2018 and XX/XX/2018. The settlement amounts were paid in full by check # XXXX in the amount of {$1500.00} and a direct withdrawal from the collection company for {$4200.00}. Even though these were paid in 2018 I still receive calls regarding these accounts. Each time I receive a call I explain the same scenario as explained above. Each time the research and find that my loans are satisfied. Every time I speak to a person that calls regarding this issue I request to be taken off the call list. Yet here I am years later receiving the same calls time and time again. I know that the calls are recorded they can listen to my requests. I don't want to receive these calls any longer. It feels like harassment. I have made the same request again and again. 
I am concerned that if they are still calling me that it is showing on my credit report and negatively impacting it. 
I would like the matter resolved immediately.
Consumer complaint received 2021-03-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOP FLITE FINANCIAL INC (CA)

On XXXX, XXXX I applied for an FHA Mortgage with Top Flite Financial. I asked that I get a loan for a refinance and explained my challenges. I explained I need enough to pay-off all my debt, the mortgage and {$3000.00} to pay-off my ex-wife. I was told the loan should close no later than XXXX. I was also told verbally that there would be 2 pts involved due to my credit score. I agreed and said the most important part was that ALL mie and my ex-wife 's debts be paid and the fees be reasonable. I asked if my old appraisal could be used since they had just done it in XXXX, originally i was told probably not but they'd pay for it. I came out of pocket {$530.00} but finally the Loan Officer relented and said i get a credit in escrow which did occur. 

as of XX/XX/XXXX I had still not received an estimated closing statement, something that I should have received within 72 hrs of applying. I demanded they send it and when I received it there was 4 pts being charged, double the amount I was quoted. When I approached the Loan officer and said I would not pay 4 points he said it's just an high estimate it will be closer to the 2pts. The market was way better. 

Finally on XX/XX/XXXX i received and FHA eligible approval and the same conditions I supplied 2 months previous were being asked about and updates needed. I was not happy but I gave them everything they needed. 

on XX/XX/XXXX I asked to go over additional conditions with my loan officer, he did not respond but instead sent an email told me that these are fairly simple conditions and I should have no problems. 

On XXXX a very nice processor sent me an email and immediately went to work solving the problems with the loan and getting it all straightened out. My original loan officer was taken off the file and a new one assigned. He seemed empathetic but he did little to reduce the fees to what I was quoted and instead try to explain it away. I asked to see his rate sheet so i could confirm that 3.4 pts need to be charged and he would not disclose that to me. 

My loan docs FINALLY made it to title on XX/XX/XXXX, a full 115 days after I applied, since I was going through a divorce I had to settle with the 3.499 pts they were charging on a $ XXXX loan amount, leaving me with just enough to pay my wife and a few debts unpaid. Additionally the debt collector whom I had negotiated better pay off would not honor those payoffs as the tiltle company and loan officer did not ask me but instead went straight to the collectors who then refused to negotiate anything. 

If Topflite should be your lender I would recommend shopping for a better one. 

On XX/XX/XXXX I reached on to XXXX XXXX the loan manager, he never responded. 
OnXXXX I reached out to XXXX XXXX, owner and COO of Topflite Fiancial, she never responded XXXX, I reached on to XXXX XXXX, co-owner and CEO pf Top Flite Financial, he never responded If the people at the top don't respond, you can be sure that your complaints fall on deaf ears
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2022 I called Equifax to obtain the status of a dispute. The next morning, I received an email stating an Equifax XXXX XXXX XXXX from Equifax on XX/XX/2022 my address was updated the address on your Equifax credit report has changed. 

New address : XXXX XXXX XXXX, XXXX, GA XXXX Previous address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I never changed my address on the call from XX/XX/2022. I called three times Thursday morning XX/XX/2022 to correct the problem. The 1st time I was hung up on, the 2nd time I was transferred to the survey and the 3rd call I requested a supervisor the agent placed me on hold for 10 mins and never returned to the call. I would like to have my address as XXXX XXXX XXXX, XXXX IL XXXX. I have never lived or resided at XXXX XXXX XXXX, XXXX, GA XXXX, this incorrect information.
Consumer complaint received 2020-07-22
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. (FL)

I have called XXXXXXXX XXXX XXXX and ask them to send me a copy of the signature of the original l paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXXXXXX XXXX XXXX. I need a copy of everything charged on the account they claim I Opened and charged which I did neither
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

My credit card at Wells Fargo was used for fraud in that a series of on-line transfer were made to the credit card which I did not authorize. My credit limit was {$15000.00} and the on-line transfers were for more than {$41000.00}. Wells Fargo now claims that my credit card balance is over {$41000.00} and is demanding payment.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am in the process of getting new mortgage, however I need to get a lien release from XXXX XXXX XXXX book page number : XXXX XXXX ACTING SOLELY AS NOMINEE FOR XXXX XXXX XXXX  Date : XX/XX/XXXX Date Recorded : XX/XX/XXXX Amount : {$370000.00} MATURITY DATE : XXXX/XXXX/XXXX which I paid off 15 years ago. I contacted Bank of America and they were not able to help me. My lock in expires XX/XX/XXXX. I need to get this resolved before that date. I have been chasing this lien release for 24 days now and no one can help me. I have a existing complaint regarding the same matter with XXXX XXXX XXXX Complaint # XXXX. I am not sure if both companies are the same. 
Please call me at XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (CA)

I received notice of a lawsuit filed against me by Persolve legal XXXX, authorized representative for XXXX XXXX XXXX. 
I requested documents to support the ( junk debt ) lawsuit filed against me, to date XXXX XXXX XXXX  and their legal representative have failed/refused to provide any of the requested documents ( Eg.. Application signed by me, the actual write-off amount by the original creditor, how much XXXX XXXX actually paid for the junk debt in dispute ) denying me my legal right to Due Process. 

Persolve legal XXXX  counsel XXXX XXXX XXXX ( CA state bar XXXX ) has used veiled threats, and intimidation tactics in an attempt to force us to accept their {$1000.00} take it or leave it offer without providing any substantial evidence to support Persolve legal XXXX  aggressive attempts to collect money XXXX XXXX XXXX may not be legally entitled to. 

I am asking for your help to help resolve this matter. I ask that XXXX XXXX XXXX and their legal representative Persolve legal XXXX  provide a copy of the original credit application signed by me, a  complete itemized ledger showing payment history, interest and fee charged, an unredacted copy of the leagl assignment XXXX XXXX XXXX recieved from the original creditor and copy of legal unredacted documenation showing what the original write-off amount of the junk debt in dispute was, and how much XXXX XXXX XXXX actually paid for the debt in dispute.
Consumer complaint received 2022-10-06
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. (TN)

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. 
XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 record of comradiarmac which 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all 3 agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029
Consumer complaint received 2021-03-04
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. (IL)

I filed a complaint with CFPB regarding a fraudulent car company listed on all three credit bureaus, credit acceptance. within a week, transunion was able to remove the given creditor however experian and equifax refuse to due so. I am requesting that the given creditor be removed immediately due to being fraudulent.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I request from Portfolio Recovery Associates complete details of several accounts they claim were purchased. My demands are as followed : 1 ) I request copies of any documents to prove ownership transfer.

2 ) The upset price on purchase.

3 ) The date of charge off.

4 ) The date of purchase. 
Thank you. 

XXXX XXXX
Consumer complaint received 2018-07-08
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. (MS)

I am filing this complaint because Equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed.

Equifax Confirmation # : XXXX Please resolve this manner as soon as possible.

Thank you.
Consumer complaint received 2022-10-06
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: Central Portfolio Control Inc. (TX)

A collection appeared on my credit report without my consent from a collection agency central portfolio in the a amount XXXX on XX/XX/XXXX XXXX then reached out to the collection agency to inquire more about the bill and asked why was this bill put on my credit report without informing me or without my writing instructions.I then requested the original itemized bill of me signing or agreeing to this amount. The collection agency then replied by stating the collection was bought by a third party and they cant provide me an itemized bill. They also stated that the company where the original service took place is closed, so there is no way of providing that information and as long as the third party verify it then it stays on my credit. I then stated to the collection agency that I dont have a XXXX bill from the company and they said its nothing they can do basically. 
In Accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The Collection Agency is Central Portfolio acct # XXXX collection is being reported on my XXXX and XXXX credit report. The collection agency also stated that the bill is from XXXX and they have no way of getting the original bill.