davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (LA)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss  mitigation program my mortgage company XXXX XXXX COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) XXXX  it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( XXXX ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX  is incorrectly reporting to credit reporting agencies. I want XXXX XXXX to remove all accounts from my credit. I have warned this company before about the incorrect information reporting and it has not been removed and damaged my credit severely. I have been depressed about this and my health has declined due to the stress.
Consumer complaint received 2022-12-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information ASAP : XXXX XXXX
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXXXXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX  XXXX Account # : XXXX XXXX XXXX  Account # XXXX 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.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CA)

Since XXXX of 2022, I have been sending certified letter to XXXX, XXXX, and XXXX. There are inaccuracies on my report that are negatively affecting my report. I have asked XXXX and XXXX to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. XXXX has not given me an update via mail on the investigation results ; they are far beyond 30 days.
Consumer complaint received 2022-06-17
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. (DC)

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A states : I have the right to privacy.

According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

REGIONAL ACCEPTANCE ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00}
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

Attempting to collect money I do not owe them tried to reason with them to stop ruining my credit in which they have I've never had any dealings with lvnv funding at all they are trying to collect on accounts that have been closed for years they won't stop there tactics the accounts they are trying to collect on was written off by the original creditor I've spoken with so it's illegal what they are doing I want them to get there information off of my credit reports and delete the negative info
Consumer complaint received 2020-11-09
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: Conn's, Inc. (TX)

XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. 
Contacted XXXX 's Fraudulent department. 

XX/XX/2020 Conn 's XXXX. Credit opened with Conn 's for {$2400.00} by someone using my name, home address, and SSN. 
Contacted Conn 's XXXX Fraudulent department. 

XX/XX/2020 Checking account opened with XXXX XXXX XXXX by someone using my name, home address, and SSN. 
Contacted XXXX XXXX XXXX Fraudulent department.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2020-10-30
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX  - {$00.00}
Consumer complaint received 2022-06-17
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. (TX)

In accordance with the Fair Credit Reporting act, 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting act, 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-29
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : Urgent Dispute of Fraudulent Accounts Identity Theft To Whom It May Concern, I am writing to dispute fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part. 
The accounts in question are : XXXX. XXXX. XXXX. XXXX. 
XXXX. 
I did have your 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 not open these accounts , and I have already filed a police report regarding this identity theft, which I enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for reference. 
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures. 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-12-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Recently I have been informed by Wells Fargo by letter that Wells Fargo has taken advantage of me by collecting money for an account ( Accident and Death ) that I never authorized from XXXX - XXXX. I opened my first account ( mortgage ) during XX/XX/XXXX while I was on XXXX XXXX. 

When the Veterans Affairs helped me purchase my home I was banking with XXXX. My XXXX account with direct deposit was used to pay my Wells Fargo Mortgage, my XXXX Homeowners Insurance, and Property Taxes. 

I later opened a regular Wells Fargo checking account and a 2nd with direct deposit to pay my Mortgage and Bills directly. In XXXX I was medically retired after serving 15 years and having a number of health issues preventing me from serving on XXXX XXXX. 

I am unsure of when Wells Fargo had the opportunity to violate my Consumer Rights as a Service Member, as Resident of Texas, and now as Homeowner. 

I am unaware of when Wells Fargo had the opportunity to technically " steal '' money from any of my accounts for a fraudulent account that didn't serve me or my children in any way shape or form. 

Now I have so many questions : How will I ever know that Wells Fargo is being 100 % honest with me now? How will I ever know that Wells Fargo won't retaliate against me for filing this report? How will I ever know if they decide to go up on my interest rate or my Mortgage that Wells Fargo isn't doing so maliciously or nefariously because I am taking the time to file this report with the FTC and the State of Texas? 

Did Wells Fargo take advantage of me during my time of vulnerability or during the height of my medical issues? I love my home and I love the area I live in and I don't want to find out later on that my hard earned money ( XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX ) went to feed someone else 's family or to benefit someone's greed. I want to see every report generated by Wells Fargo for this investigation. I also want to know if the FTC, CFPB, or the FBI was contacted or made aware of this breach and what other agencies do I need to contact to defend my family against Wells Fargo? 

Furthermore, I am ashamed and embarrassed for not being aware of this breach of my privacy. I try my best to protect my PII and I try to read through all of my banking statements for errors or for anything suspicious but somehow I missed this type of breach.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

My Mother had a Chase Visa account, Chase HELOC and Chase checking. 
My Mother died XX/XX/2020 and left me as co-trustee and co-personal representative of her estate. 
I request 12 months of statements preceding her death for both her Chase Visa and Chase Checking. 
The Chase Visa department requested a " Letter of Instruction '' before the statements would be provided. I'm not sure if a copy of Mother 's Trust and Will were provided to Chase Visa, but both have been given on numerous separate occasions to Chase. I sent the " Letter of Instruction '' as requested. Chase Visa provided the requested statements, they actually sent them on two separate occasions. 
Chase is refusing to release the checking statements. 
Chase actually sent a letter to me dated XX/XX/2020 in part it reads : In bold print : " We need authorization to share the decedent 's account information. '' " ... We will provide account information to a court-appointed representative or executor one we have legal documentation and an original or certified copy of a death-certificate. '' It should be noted both of these documents have been provided on numerous occasions, yet they still refuse to release the statements.
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: VYSTAR CREDIT UNION (FL)

We bank with VyStar Credit Union and someone has hacked into my account over 30 times since their move to new platform, moved money within accounts in amounts of {$1000.00} or more including a business account and set up payments through their new billpay to have money routed elsewhere. Identity theft and fraudulent payments. I've spent the last 10 days at the bank every day having these issues shut down because their fraud department was not catching. Additionally, my identity was stolen and fraudulent credit cards were in the process of being opened by fraud in my name we had to shut down ( luckily caught before they were issued ). We had to have all access to our accounts cut off from any electronic access whatsoever to end this. After 32 years of banking with VyStar, they have allowed my information to be compromised and I've had to freeze my credit, and remove my money and go to another institution in addition to doing everything to stop any fraud and fradulent accounts from being opened across the country. Their unproven new banking platform is an absolute nightmare and they can not protect your money, your accounts can easily be reset by anyone if they managed to get in and steal your social. Beware if you are banking with VyStar.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-08-28
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. (IL)

Fraudulent XXXX  XXXX has been removed from my Account # XXXX XXXX and TransUnion are fraudulent on the following accounts : XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX on my credit Acct # XXXXis fraud. 
XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX  is fraudulent on my Account Number : XXXX XXXX is fraudulent on my Account Number : XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XX/XX/XXXX and distress they are causing me.