davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
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)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account number:XXXX  and XXXX XXXX XXXX  Account number : XXXX violated my rights. 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 an account without my written instructions.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.
Consumer complaint received 2021-12-02
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. (SC)

XX/XX/2021, XXXX XXXX XXXX sent me a verification letter after I complained about them trying to collect a debt that is not mine on the Consumer Financial Protection Bureau website. Even my name and address are inaccurate on the letter. Please check the attached files. I have not given XXXX XXXX XXXX written consent to collect a debt. I have not signed a document to pay XXXX XXXX XXXX. Ask XXXX XXXX XXXX to provide proof of written consent that I agree to payingXXXX XXXX XXXX. I have not given XXXX XXXX XXXX my social security number. I am providing my birth certificate to show my full name. I am providing my utility bill for proof of address. XXXX XXXX XXXX has violated several laws listed by the FEDERAL TRADE COMMISION. The Fair Debt Collections Practices Act, LAWS have been broken by XXXX XXXX XXXX. 15 USC 1692 subsection 804, subsection 805, subsection 806, subsection 807, subsection 808, subsection 809 and subsection 812.
Consumer complaint received 2018-02-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems. 

I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.
Consumer complaint received 2021-10-30
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: Bull City Financial Solutions, Inc (NC)

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson and Kennard (CA)

On XX/XX/2018, I placed a phone call to : The Law Office of Nelson and Kennard XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX This phone call was in reference to a credit card debt from XXXX  XXXX XXXX. My intent was to negotiate a payment plan and to avoid a judgement. I asked a simple question to the floor supervisor who I was on the phone with to try to understand what we were agreeing to : " So, what you're saying is that if I make a payment by Monday ( or I may have said the specific date ) you won't file a judgement? '' The supervisor did everything they could not to give me a direct yes or no answer, she kept waffling. I kept rephrasing my question because I wanted a direct answer, I wanted a yes or no or I wasn ; t going to agree to anything but I remained calm and continued to try to understand by asking questions. The supervisor became disgruntled and started yelling at me over the phone all because I was trying to understand something that she was not giving me a straight answer to. The supervisor was basically be-belittling me by yelling at me repeatedly and saying things like " WHAT PART OF THAT DON'T YOU UNDERSTAND!!!!??? " for me failing to understand her indirect, waffling response. 
By doing this, the supervisor violated the FDCPA 806 ( 5 ). She  repeatedly annoyed me by yelling at me in a be-littling, abusive way.
Consumer complaint received 2020-07-24
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. (GA)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reportsXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Specialized Loan Servicing has attempted to foreclose on the proprietary lease and shares in a XXXX XXXX XXXX without a valid and enforceable security interest, and collect a discharged debt in violation of the discharge injunction in place in the XXXX XXXX of New York Bankruptcy Court case XXXX. XXXX XXXX XXXX has sold a debt and mortgage while subject to Loss Mitigation proceeding in the above mentioned case to avoid the implications of the pending Objection to XXXX 's MOTION FOR RELIEF, requesting sanctions and outlining XXXX 's violations of law.
Consumer complaint received 2022-09-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (MI)

The company is XXXX XXXX working for " Check N Go ''. They have called me every day for a month repeatedly claiming to be a process server. They threaten to come to my home NOW. They ask for money. I asked for details in writing and they refused. I explained it is not on my credit report and they said " it wouldn't be ''. They are harrasing gme constantly with abusive language. Today XX/XX/15 they called 5 times in a row at XXXX claiming they were on their way to my home and to have my ID ready or they will pound down the door.
Consumer complaint received 2021-12-02
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST (CA)

Formal Complaint : Branch XXXX XXXX XXXX, XXXX XXXX, CA XXXX My wife and I went to the same Bank of the West branch office to open an account with the only purpose of receiving a Welcome bonus of {$250.00} each of us. Total of {$500.00} My wife opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA Myself opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX CA We have a proof of address letter from the Bank of the West. 
Now, I did not receive my Welcome Bonus. 
From the very beginning Manager XXXX, and XXXX knew this situation. That is why they let me open an account using a Welcome Bonus Code ( as stated the letter I provide ). 

I look forward to hearing from you.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Writ of Quo Warranto and Affidavit of Invocation : Invoking Usufructuary Rights and Executor Authority Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Mandate for Enforcement of Private Judicial Notice and Legislation Divine Adjudication Acknowledgment : " Let God be our Judge as He has set the Watchers to watch over Man '' jude, in behalf of XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX 
XXXX XXXX. Florida. 
ZIP EXEMPT. 

To : XXXX XXXX XXXX XXXX XXXX XXXX ( inclusive of successors ) XXXX XXXX XXXX XXXX XXXX, California To : XXXX XXXX XXXX XXXX XXXX XXXX, California From : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, This writ, affidavit and notice serves as an unequivocal invocation of the rights vested in my role as Executor of the Precedent Vested Landed Estate of XXXX XXXX XXXX XXXX XXXX As the Certificated Security Holder of the principal debtor/Franchise/Cestui que Trust XXXX XXXX XXXX, I am actively invoking my right to manage all affairs pertaining to the principal debtor and to enforce compliance by your agency with the established principles of the Law Merchant, the mandates of the Administrative Procedure Act, and the obligations set forth in the Uniform Commercial Code, which govern your conduct and reporting practices. 

By issuing this High Prerogative Writ of Quo Warranto, I invoke the creation of a constructive trust, thereby imposing upon you fiduciary duties due to the unauthorized use of the certain estate 's credit information, which constitutes responsibilities akin to those of a usufructuary. 

This notice challenges any ultra vires actions undertaken by your agency, and as per your obligations under the UCC, demands the correction of inaccuracies that have arisen from your reporting. You are required to demonstrate proof of the legislative or authoritative basis that permits your enforcement of certain credit instruments, as requested, pertaining to the estate. Absent such verification, I invoke my right to demand the cessation of any reporting activities that infringe upon the estate 's rights, as will be detailed in the comprehensive factual document that follows.
Consumer complaint received 2019-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

At XXXX XXXX today someone from PNC called and said they were responding to my complaint. However they are sticking with their fake story. They refuse acknowledge their mistake. The only solution for me and all others who have been wronged by PNC. is to nvestivate them. And thats is the only way that they will correct their bad behavior and ripping of their customers. There is over 1400 complaints against them on XXXX XXXX Their practices are illegal and fraudulent and someone needs to check their transactions and bring charges against PNC. They need to appear in Congress before a banking committee. 
They will not change their behavior or acknowledge their errors unless actions are taken against them. I put in a complaint against them on the XX/XX/XXXX on your site.
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

As in my previous complaint, briefly, XXXX XXXX inappropriately removed my loans from repayment program and sent them to full repayment in XX/XX/XXXX. They subsequently debited {$4000.00} from my account without warning. They capitalized {$15000.00} in interest in XX/XX/XXXX and again capitalized {$40000.00} in interest in XX/XX/XXXX. After many complaints from myself and my Congresswoman as well as a formal apology letter from the Department of Education, they finally admitted their wrongdoing however did not reverse their financial mistakes. They always claim they are going to reverse my capitalized interest and that they need 90 days to do this, however, they have been saying this since XX/XX/XXXX and it is now XX/XX/XXXX. In my last complaint, they also provided me with incorrect documentation regarding my Public Service Loan Forgiveness eligibility. Below are my current complaints : 1.  They need to actually reverse my capitalized interest and show me documentation of not only the removal of that interest from my principle but also the removal of any inappropriately compounded interest due to that capitalization. 
2. They need to recalculate my PSLF qualifying payments. Every payment for every loan was a qualifying payment and any payments that currently are marked as ineligible are marked as such due to ERRORS MADE BY XXXX XXXX. I am not to be held responsible for their errors nor will I jeopardize the {$500000.00} of loan forgiveness at stake because of XXXX 's incompetence. They need to account for every one of my loan payments to ensure it is credited toward my PSLF payments. 
3. The XX/XX/XXXX payment did not occur because as I documented in many past correspondences ( and they have acknowledged this and apologized for this ), I was unable to view my loans or set up a payment profile on their website from XX/XX/XXXX to XX/XX/XXXX, during which time I was unable to make a payment due to their errors. They acknowledged they would address this, however in the attached administrative forbearance documents they did not include this date in the administrative forbearance period. As such, that payment is listed as a missed payment ( incorrectly ). 

XXXX MUST be held responsible for these errors. I am at risk of having to pay back an enormous amount of money at the end of my 10 years of XXXX XXXX work due to XXXX numerous and continued errors.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGHEST BALANCE, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (MD)

I called Professional Debt Mediation and informed them that the debt they report to the credit bureau for the amount of XXXX was fraud. I then disputed it with the XXXX. XXXX said they reached out to the PDM and they confirmed the debt was mine. The issue with this is that PDM confirmed that SSN on the account was not mines. When I asked them why did they lie to XXXX they told me because someone at the apartment complex probably put it in wrong and I need a police report. It doesn't make any sense that they just assume the SSN was entered wrong so they keep confirming it as my correct social security number. This creditor is knowing lying to the credit bureau because they admitted that the debt is listed under another SSN. The apartment complex entered into a contract with a person who SSN end in XXXX, which is not mines. It is very disheartening that this creditor will do this to someone for monetary gain.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (KS)

They called me this morning and I answered. Told me the debt was for XXXX XXXX credit card before verifying they had the correct party. I told them I don't verify over the phone and terminated the call. They have called again and just hang up as I answer. I called them to ask why they are doing that and the female representative said, '' because we HAVE to have a conversation with you ''. She became rude and wanted to talk over me. I terminated call again.