davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (NY)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (TN)

On XX/XX/XXXX, we paid off our mortgage loan balance pursuant to the instructions and total payoff amount provided to us by Ocwen, LLC. At the time we were informed that, within the next 3 to 6 months, we would receive paperwork showing that the loan had been satisfied and paid in full.

It has now been OVER ONE YEAR and we have not received any documentation showing the mortgage has in fact been " paid in full, '' or have the deed/title indicating the change in ownership, i.e., its ours. To make matters worse, the loan continues to appear as an outstanding debt on both our individual and joint credit reports at an amount even higher than the payoff amount.

Ocwen failed to fulfill its obligations to us, just as it had throughout the entire time it serviced our mortgage. ( If you so desire, we would be happy to provide you with detailed documentation regarding Ocwens failures dating back to at least XXXX after it acquired our loan from XXXX ). 

For now, we ask your help in directing Ocwen to do what should have been accomplished 6 to 9 months ago : provide documentation/paperwork showing that our mortgage has been paid in full, and remove the mortgage from our credit report ( s ) as an outstanding debt.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (IL)

Requested an itemized bill due to company telling me the balance was high due to me owning on a phone. Although I never purchased a phone with the company. I only got phone service from the company. I never purchased a phone. Attempts to request an itemized bill was never given after multiple calls and visits to this company.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XX/XX/XXXX XXXX Early Warning Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX, AZ XXXX Attn : Consumer Relations Attn : Consumer Relations RE : Request to Delete and Block Accounts Resulting from Identity Theft Dear Sir/Madam, My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX TEXAS XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX Please delete and block this information from my consumer report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my consumer reports received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (FL)

These inaccurate inquiries reporting on my credit profile. experian, XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-01-19
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. (IL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021 and XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2019-09-02
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. (NY)

To whom it may concern, I have a hard inquiry on my transunion report by XXXX XXXX on XX/XX/2018. XXXX XXXX had stated since I was never was told by any representative there would be a hard inquiry they would remove this information on my file Immediately. It has been a while and they have yet to do so. Would just hope this would be straightened out as soon as possible. 

To my understanding with of the companies I had bought something from went thru XXXX XXXX and since i did not sign anything with XXXX XXXX directly under the fair credit act this would come off. 

On a separate note on my addresses reported the following address was suppose to removed as I am not affiliated with it XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2022-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OH)

My XXXX 's loan was paid in full to XXXX as of XX/XX/XXXX. The loan was transferred to Aidvantage Department of Education XXXX XXXX in XX/XX/XXXX with a balance of {$210.00}. 
I emailed Aidvantage that there was no balance. 
They responded that they did not receive the last payment of {$210.00} Aidvantage withdrew {$100.00} from MY bank account on XXXX XXXX I emailed them that the account was paid in full and now overpaid by {$100.00} They responded that there is a balance of {$110.00} XXXX sent them a copy of MY bank statement showing the withdrawal. 
This is my son 's loan that I have been paying from my bank account for years.
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Bank Auto Loan has been charging outrageous interest rate and have me signed in the middle of the pandemic agreements to extend their hicking of interest to have my loan impossible to pay. I have been struggling to make payments to keep a car that is was very expensive in the first place with a 23 % interest which is a robbery to people. I wanted to get this loan done and I have only XXXX borrowed to pay for this loan because they keek hicking up interest and robbing me blind. My car worth XXXX and it has a mileage of XXXX breakings all the time. I need them to meet me halfway and let me pay off the car for XXXX.
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

This matter centers on a credit card I had with XXXX XXXX which I had paid off in XXXX. 
Some time later, I learned XXXX XXXX was reporting a balance owed. XXXX XXXX and I were in contact in XX/XX/XXXX about how to resolve the issue. 

On XX/XX/XXXX I received a letter via USPS regular mail from Hunt & Henriques, LLC ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that Hunt & Henriques are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. 

On XX/XX/XXXX, XXXX days following receipt of their letter, I sent a validation notice response to Hunt & Henriques via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at Hunt & Henriques on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXX XXXX  on XX/XX/XXXX attachments 2, 3 and 4 ). 
. 
My validation notice to Hunt & Henriques sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent.

2 ) Validation of the basis for the debt.

3 ) Provide a copy of the last billing attempt by their alleged client.

4 ) Verify what payments may have been made since the last billing. 
5 ) Verification that Hunt & Henriquez have a debt collection license in the State of California.

6 ) Notifying them I disputed the debt. 

As of today, XX/XX/XXXX, Hunt & Henriques LLP has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. 

As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). 

In addition to this response, I am filing complaints with the CFPB and Attorney General of the State of California.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK (TN)

Overdrafted my checking account by about XXXX $ on XX/XX/22. Accidental payment. Was charged XXXX $ overdraft fee on XX/XX/22. Did not know account was overdrawn. XX/XX/22 receive automated email from bank that account is below set funds limit ( personally set funds limit to XXXX $ ). I was charged an overdraft fee before I had time to correct it and automated message was delayed.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (VA)

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX XXXX  ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX ; XXXX # : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.
Consumer complaint received 2024-02-23
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. (SC)

Upon meticulous review of my consumer report, I have uncovered egregious transgressions under the Fair Credit Billing Act. These violations, including the unauthorized dissemination of my personal information and the reporting of late payments without my explicit consent, have inflicted profound and irreparable harm to my creditworthiness and financial standing. As a direct result of these actions, I have suffered significant obstacles in accessing essential financial services and opportunities, severely impacting my livelihood and prospects.

It is imperative to underscore the stringent requirements outlined in statutes such as 15 U.S. Code 1681 and 12 CFR 1016.7, which unequivocally emphasize the paramount importance of accuracy, fairness, and privacy in consumer reporting. The wanton disregard for these fundamental principles not only constitutes a blatant breach of federal law but also undermines the very fabric of consumer protection and financial integrity.

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681-1681x, expressly affords consumers the right to dispute inaccurate information on their credit reports. Any derogatory information that is inaccurate, outdated, or unverifiable must be promptly rectified or removed to preserve the integrity of the credit reporting system. Failure to adhere to these statutory obligations not only erodes trust in the financial system but also exposes XXXX, XXXX. to significant legal and reputational repercussions. 

Moreover, the unauthorized disclosure of my personal information constitutes a reprehensible violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6802. This act unequivocally mandates financial institutions to uphold the utmost confidentiality and security of consumers ' personal information. XXXX, XXXX. 's blatant disregard for these statutory imperatives not only reflects a callous indifference to consumer rights but also underscores a flagrant disregard for ethical and legal norms. 

I demand immediate and unequivocal cessation of these unlawful practices and the expeditious removal of any derogatory information reported without my explicit authorization. Failure to comply with these directives will not only precipitate severe reputational damage but also expose XXXX, XXXX. to substantial legal liabilities, including but not limited to civil penalties and punitive damages. 

I urge you to heed this admonition and take swift corrective action to rectify these egregious violations. The gravity of this matter can not be overstated, as each moment of inaction perpetuates unwarranted harm to my financial well-being and undermines the integrity of the credit reporting system. 

Your prompt and decisive response to this urgent matter is not only warranted but also imperative. I trust in your commitment to upholding consumer rights and ensuring accountability for these grievous transgressions.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1682 section 602 A States I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-02
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: Southern Auto Finance Co (FL)

Ive sent several rounds of dispute letters and still no resolve or any type of concerning action was taken. I feel that Im in a really tough position. These fraudulent items on my credit report are hurting my chances of becoming a home owner. Which really puts me and my family in a bit of a hardship. To whom it may concern may I please be pointed in the correct direction to get my issue resolved?
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I escrow taxes and insurance in the mortgage payment. My mortgage company is Freedom Mortgage. One day we receive a tax sale notice from our County saying that our county taxes are delinquent and there has been interest and penalty added to the balance. I immediately called the mortgage company XXXX XX/XX/2021 ) and asked what happened, they said they would escalate the case, and look into it. But we heard nothing from them. I called again today and asked for any update, there was none. I checked the tax status with the County, and the amount only grows higher due to added interest and penalty. I called the County tax division and explained what happened, and they said there is nothing they could do, and asked me to hire a lawyer. Tax sale will happen less than 40 days. A lien will be generated if no action is taken. 

Obviously the mortgage company did not do their job and did not pay and we are about to become a victim. Can you help us? We did not do anything wrong.
Consumer complaint received 2023-04-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Tuesday XX/XX/22 Received a transfer into Venmo account. 

They subsequently froze my account and I couldnt do anything with it. They refused to tell me why it was frozen. 

I had to get through a chat and 2 people on the phone before they said that they emailed me. 

The email was well after the deposit. 

They are refusing to cooperate and will not even return the money to the sender. 

I have also contact legal services for consumer fraud if it needs to escalete.
Consumer complaint received 2021-06-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In XXXX and XXXX of 2021, I filed a dispute with Experian and XXXX about the unverified account XXXX/Account number XXXX and XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX was remove from XXXX because it was deemed unverified, but Experian and XXXX have yet not removed it from their reports yet and I have asked for their methods of validation several times. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Convergence with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX original creditor ; XXXX XXXX. 

XXXX The companies above have 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 a account without my written instructions