davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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. (CO)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, XXXX XXXX Account number XXXX Date opened XX/XX/2019 Please mark each account as being disputed The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (FL)

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 an account without my written instructions.

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 furnishes an account without my written instructions.
Consumer complaint received 2023-04-03
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. (NC)

My name is 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 2023-06-22
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
[ XXXX, XXXX XXXX ] XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Request for Sharing of Personal Information Dear TransUnion, XXXX, and XXXX, I am writing to formally request that you cease and desist from sharing my personal information with third parties, as allowed under the Fair Credit Reporting Act ( FCRA ). I hereby exercise my right to opt-out of the sharing of my personal data for marketing and promotional purposes. 

Please take immediate action to ensure that my personal information, including but not limited to my name, address, social security number, and credit history, is not disclosed or shared with any third-party entities without my explicit consent. 

I understand that the FCRA grants you certain rights to share consumer information for specific purposes such as credit evaluation and underwriting. However, I am exercising my right to restrict the sharing of my personal data beyond these permissible purposes. 

I request that you confirm in writing that my personal information will be removed from any mailing lists, telemarketing databases, and other marketing channels, and that you will refrain from sharing or selling my information to any third parties for promotional or marketing purposes. 

I expect your full compliance with this request within 30 days of receiving this letter. Failure to honor this request will be considered a violation of my rights under the FCRA, and appropriate legal action may be pursued.

I appreciate your attention to this matter and trust that you will promptly adhere to my request. Please provide written confirmation of your compliance at your earliest convenience. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I filed a dispute in regard to the incorrect items listed on my credit report, it has been well over 30 days, and I have not received any investigation results/updates.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have recently contacted Bank of America regarding why they are closing my accounts during the time of personal difficulty of this year XXXX. I have been banking with them ever since XXXX. But as of now, they have decided to close all of my accounts. Without giving me any information on whats happening with my money in my checking account. The only thing that I got from the mail was stating that my account would be close and thats it. I wouldnt know what to do. Would there be an interest charge on my credit card too? Since its close but with no information. So, a few weeks ago Bank of America decided to send me their client advocate and Resolution Specialist name, XXXX XXXX. Who is absolutely the worse employee from the Bank of America that I had to deal with. Firstly, its really hard to get a hold of it and her excuse is that, she wouldnt get any of my multiple phone calls not until an hour late, which is also a lie! If your having a phone issues why are you even servicing people And she also marks down, regarding my checking account, that she would get back to me on XX/XX/XXXX ( and she thought it was a weekend and I told her no, thats a Monday ), which is also another lie because I had to call her and remind her about the status of my check account and my money on that day, that she never called me and act like she doesnt even remember what to do. And each time I asked her a question, she kept saying she didnt know and that I would have to call and find out. Like what the point of trying to talk to someone who doesnt even know a thing about her own company. She also Highly recommended me to go to the Bank and pull out my money while my checking account is in the process of being close. She has mentioned that to me so many times, while I kept telling her that I was extremely busy with work. So, as of today, XX/XX/XXXX. I took her advice and took the day off from work, which is unpaid, and wasted my gas money to go to the Bank of America Branch, just to realize that I cant even pull out my money as she has mentioned!!! Bank of America Has provided me with so many False information. And it seems like most customers at the branch have closed down as well. What is Bank of America is trying to do people and their money!! The consumer Financial Protection Bureau needs to do a deeper investigation into Bank of America! Protect the people, Protect the nation.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

XX/XX/2019, I requested a full file disclosure from LexisNexis. I looked over the report and noted inaccurate information in my credit file reporting pertaining to a bankruptcy. I disputed the information with the credit reporting on several occasions in writing via US Mail. I called LexisNexis last week due to repeat response " we do not have sufficient data matching your request '' I called the company. I spoke to the rep who informed me that due to my file being frozen they could not initiate a dispute and that is why I received the letters. I asked her if it was right to dispute via written and she stated yes. She acknowledged that a dispute should have been completed but was not because my file was frozen. She told me when the file is frozen she can not access any information. She told me send my drivers license so she can authenticate my identity and then she will be able to access my consumer file. After uploading my driver 's license to verify my identity, the representative state that she could complete a dispute if there was a bankruptcy on my credit file. She told me that she did not see a bankruptcy in my credit file and would send me a report in the mail. I received a report in the mail today and it did appear be a full file disclosure. It did not obtain the XXXX XXXX XXXX XXXX Report. What I received today did not include any data of what LexisNexis is reporting in my file including the XXXX Consumer Disclosure Report. 

I believe my rights are being violated and LexisNexis is refusing to provide me with a full file disclosure. I wrote LexisNexis and told them I was disputing the bankruptcy as it is tied to a social security number that belongs to another individual. I am aware of this only because the individuals full Social Security Number is listed in the bankruptcy data. I made LexisNexis aware of this in my written dispute and several times and asking why social security numbers and public record data that belongs to another individual is listed in my consumer file. I also raised the question if my social security number and other personal information is listed in someone else 's consumer file. Thus exposing all parties to identity theft. A data breach was not necessary as LexisNexis provided me the social security number along with a name for the individual listed in the bankruptcy.
Consumer complaint received 2020-12-19
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: Early Warning Services, LLC (MN)

I mailed a copy of my bankruptcy discharged notice from the United States District Court-District of Minnesota on XX/XX/2020 to Early Warning in regards to all of the negative and fraudulent checking accounts listed on my Early Warning Consumer Report : XXXX, all of the accounts listed on my consumer report are fraudulent accounts and those fraudulent accounts was discharged in bankruptcy court, but Early Warning continues to report and list the fraudulent accounts on my consumer report which is restricting me from opening a checking account and obtaining credit. There should not be any adverse or negative information or accounts on my Early Warning Consumer Report. Early Warning is in complete violation of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ) under federal law.
Consumer complaint received 2023-03-23
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. (NM)

The items listed below are reported on my personal credit file and were found in my reportswith 3 credit reporting agencies. These items were opened fraudulently. Ive informed allparties of the issue & provided the necessary documentation to support my claim. Thecredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law inregard to identity theft. Additionally, the credit reporting agency & data furnisher have notprovided me with any evidence of an open contract, signed contract, or any valid proof thiswas opened, authorized, or created by me. Since this is a strict violation of FCRA laws I needthe items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$350.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$140.00} ; XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-10-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-02-26
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: Velocity Portfolio Group (NY)

Since in the previous responses XXXX XXXX, XXXX XXXX the company did not provide me with the documents that I requested, please draw your attention to my complaint again. 
XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX ) add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
Consumer complaint received 2022-09-29
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. (AZ)

See attached ID Theft Report. FTC Report XXXX : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 
ID and Social Security card and utility bill is attached as well
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$880.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX, a student loan company withdrew unauthorized funds from our account with Bank of America ending in XXXX. I contacted Bank of America numerous times to no avail. 
From what I can tell as a result of numerous phone calls, is XXXX XXXX continued to auto-withdrawal. No one from this address or last name ever went to XXXX XXXX. 
The total amount that was fraudulently withdrew amounts to {$1500.00}. 
I would appreciate a full credit back to my account ending in XXXX from Bank of America.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

When I first opened my accounts ( business checking, business savings, personal checking, personal savings ) at Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, I was told by the bank representative that if I opened an associated savings account with the business checking and personal checking and maintained a balance of {$25000.00} across all accounts that there would be no account fee on any of my accounts. I now come to find that there has been a fee on my personal account since the day that I opened my accounts dating back to 2015 up until today. I complained to the local banking representative and he refunded 6 months of fees back into my personal account, but told me that a Wells Fargo specialist would be calling me to go over my complaint. The specialist contacted me and stated to me that she would be opening a Case to address my complaint and that she would investigate and get back to me. My Case # is XXXX. The specialist got back to me and told me that Wells Fargo would credit my account for {$50.00}. She explained to me that it was the Wells Fargo 's employees fault as the employee did not know what she was talking about. The only reason that I moved my deposits from a competing bank was that I would not be charged any banking fees. I would not have opened 2 savings accounts other then that was a requirement to avoid paying any banking fees. So, I opened the accounts to include the 2 savings accounts and I maintained the minimum {$25000.00} across all 4 accounts and I was still charged a banking fee on my personal checking account. Wells fargo needs to stand by their employees and not blame them for a detrimental company policy regarding banking fees. I want all the money that Wells Fargo took out of my personal checking account, in the form of banking service fees, going back to 2015. Many thanks for all your help regarding this matter.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I have a home mortgage that now belongs to Mr. Cooper. 
I was attempting to find out information about my principal balance when I accessed an escrow statement that indicated an increase in my mortgage payment that would occur in XXXX. 
I had signed up for paperless bills and did not receive the escrow statement in the mail nor within the email. 
Instead, I simply received a message that my escrow statement was available. 
If I had not been researching another issue, I never would have seen this increase, never known about the increase and never would have modified my automated billpay to account for the increase. 
This could have resulted in incomplete payments and put me in a position of appearing to be delinquent and unable to qualify for things such as PMI removal. 
I do not consider this to be a reputable practice. 
I voiced my concern to a company representative, but they did not indicate that anything could or would change this process.