davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OH)

In XXXX  after the birth of our child, we discovered fraud from our savings account, automatically linked online to our checking account ( by Wells Fargo, not us ). Someone was transferring amounts from our savings ( for a future house ) to our checking account on a daily basis, sometimes multi a day, basis. They would then pay for XXXX linked out of California, usually right at XXXX After a year battle, we got about 3/4 of our money back, but was told the other funds were " too old '', This had been going on since XXXX consistently. We trust our bank to help us watch our ( never touched ) savings account and were never notified of abnormal purchases Imagine the horror in the early morning hours when we were looking to buy a house that most of our savings were gone. Wells Fargo was horrible to work with. We spent many hours and days over the phone. I can tell you years later, I had an account with someone else who notified me the minute any fraud charge was eve detected. Wells Fargo never did. The head of Wells Fargo was contacted and never replied.
Consumer complaint received 2020-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted Transunion to remove a double inquiry that was made in two consecutive days. They informed me they would not file a dispute on this and to contact creditor who made inquiry. I informed them that I have done that and they still told me to contact the inquirer. Transunion did not allow me to file a dispute on my credit report.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}
Consumer complaint received 2023-01-27
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These unverified must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these unverified, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or repaired as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I sent Equifax a certified letter in which it showed it was received on the 12th outlining how Equifax violated my rights as a consumer under 15 USC 1681. On top of violating my rights Equifax also failed to respond within 30 days. I am just now receiving an update and response to my letter on XX/XX/XXXX. The subsections Equifax violated are as follows : 15 USC 1681- ( a ) ( 1 ) 15 USC 1681- ( a ) ( 2 ) 15 USC 1681-a ( 3 ) 15 USC 1681-a ( 4 ) 15 USC 1681b.2 This situation has been very frustrating and the reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-05-20
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. (MS)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2020-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I do not need to speak to anyone at this company. I just need them to stop illegally trying to collect on this debt and remove from my credit report. 
This is the 3rd time I'm trying to address this with this company CAINE & WEINER. I keep asking for a document showing MY SIGNATURE that verifies this debt is mine which they have not provided. Their response to me has been printout of documents with policy and automobiles covered. Where is the proof I SIGNED for this so called policy? They have no proof this alleged debt belongs to me. As per FTC opinion letter from Attorney XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION. 
They have not provided any document to me BEARING MY SIGNATURE ON ANY DOCUMENTATION that verifies or validates this alleged debt is mine. This company keeps ignoring my request for documents with proof of my signature and continues to mention policy printouts etc. Where is the document showing my signature that verifies this account is mine? I have requested this multiple times and they ignore my request and continue to illegally collect on this debt. This stunt by this company is nothing new. I have contacted an attorney and will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This letter is in response to a letter received by Portfolio Recovery Associates on XXXX XXXX, 2023. Apparently, XXXX XXXX has sold this account to them, a XXXX party interloper, and it is my belief this is a fraud. Since there is no signature on the documents they have sent me, who is accountable for this contract I am being offered? If they can state their claim & provide that contract I have with them whereas there is a wet ink signature from the Claimant & someone From the RESPONDENT, I would be happy to settle this alleged account. 
I requested VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. 
XXXX respectfully requested that their offices provided XXXX with competent evidence as per the Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. 
Also, be informed that, for 3 years, their offices have been reporting non-validated information to the XXXX major XXXX XXXX, XXXX, XXXX and XXXX prior to validation and proof of claim of the alleged debt, which I also believes constitutes fraud under both Federal and California XXXX XXXX. And also has caused me significant financial harm and denial of credit. 
Due to this fact, these negative marks found on Claimant 's credit reports by their company and I retain the right to explore options regarding action against them in accordance with Violation of the Fair Credit Reporting Act as well as Violation of the Fair Debt Collection Practices Act, and United States Code TITLE XXXX, CHAPTER XXXX, Sec. XXXX. 
Portfolio Recovery Associates sent XXXX identical letters in response to previous CFPB complaints, XXXX on or about XX/XX/2023 and XXXX on XX/XX/2023, and not once did they provide Proof of Claim of the alleged debt. Therefore, the debt is considered to be invalid, and any documents that they sent me will be returned to them as refused for cause without dishonor upon proof of claim Their office never produced the required documentation in accordance with FTC guidelines and has taken actions which was and is detrimental to Claimants private commercial affairs and credit reports. These actions are a dishonor.

Portfolio Recover Associates failed to provide VALIDATION and PROOF OF CLAIM.; made a false representation of the character of the referenced alleged debt and, made a false representation of the legal status of the referenced alleged debt.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to Covid-19 XXXX XXXX XXXX XXXX allowed me to have a two month payment extension on my existing auto loan. I have made every payment on time since opening this account. Because of recent layoffs at my place of employment my financial situation is not the same as it usually is thus making it difficult to pay the loan payment in full or on time. I made an agreement with XXXX XXXX XXXX to remain current on my account but not pay XXXX or XXXX monthly payment. I have written documents stating everything I mentioned above from the loan company and myself. Unfortunately I was notified last week that my credit score was hit extremely hard dropping the total score 106 points. The reason for this decrease in score is non payment/ late payments reflected on my XXXX account. This should not reflect on my credit score and definitely should impact it negatively considering the legal written agreement between myself and the loan company allowing me to have a two month payment extension. I would like this removed and my score to go back to score it was prior to this information.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE REQUEST ORIGINAL CONTRACTS WITH MY WET INK SIGNATURE TO PROVE THAT THESE ACCOUNTS BELONG TO ME AND THE CREDIT COMPANY NEVER SUPPLIES WHAT I ASKED OR WHAT IS STATED IN MY NOTICE TO VERIFY ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND IS SERIOUSLY HINDERING ME FROM OBTAINING CREDIT. THIS COMPANY ALWAYS SEND A frivolous DISPUTE RESPONSE WHEN IN ACTUALITY IT IS A DEFLECTION. THEY ALWAYS FIND A REASON TO NOT HONOR OR PROCESS MY DISPUTE AND ITS HONESTLY XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I HAVE REQUEST ORIGINAL CONTRACTS WITH MY WET INK SIGNATURE TO PROVE THAT THESE ACCOUNTS BELONG TO ME AND THE CREDIT COMPANY NEVER SUPPLIES WHAT I ASKED OR WHAT IS STATED IN MY NOTICE TO VERIFY ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND IS SERIOUSLY HINDERING ME FROM OBTAINING CREDIT. THIS COMPANY ALWAYS SEND A frivolous DISPUTE RESPONSE WHEN IN ACTUALITY IT IS A DEFLECTION. THEY ALWAYS FIND A REASON TO NOT HONOR OR PROCESS MY DISPUTE AND ITS HONESTLY XXXX
Consumer complaint received 2023-01-27
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-27
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. (TX)

XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2023-01-27
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2023-01-27
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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 accordance with the Fair Credit Reporting act XXXX Account # 's XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions