davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the fair credit reporting act XXXX, transunion, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy.

Delete these addresses they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 information is inaccurate.
Consumer complaint received 2023-08-14
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. (PA)

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 2023-02-23
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. (CA)

In accordance with the Fair Credit Reporting Act of 1970, the following companies have violated my rights by reporting inaccurate, or outdated information XXXX and XXXX Account XXXX XXXX. And XXXX are both the same thing, and they are debts obtained without my permission or knowledge. I moved out of XXXX with a {$0.00} balance and was owed my deposit, never received it. Was never contacted regarding balance owed, and {$6600.00} in fees accrued is ridiculous when I didnt even live there. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Paid in full, can not reach a representative to find full account number. 

XXXX XXXX XXXXXXXX Phone number : XXXX Paid in full and closed in XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX {$930.00} - should not owe this debt from the insurance company. 


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.

Thank you for your time and hard work.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Actt # 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 State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IA)

They claimed to be from Wells Fargo and some from South Carolina was trying to get a XXXX payment from me and I had stated no I did not know this woman and this man said he would stop it from going through issue me a new bank card and come to find out he was the scammer. I received the fraud detection alerts on my phone XXXX XXXX XXXX  and it says please call XXXX as soon as possible and that's exactly how it went down. On XX/XX/XXXXXXXX XXXX  to W F on XX/XX/XXXX XXXX # XXXX IN the amount of {$1600.00}
Consumer complaint received 2020-06-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2023-05-31
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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 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 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 information is inaccurate.

I have filed a police report which is attached as well as submitted a complaint with the FTC about the fraudulet accounts.
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (TX)

So I sent a letter off on XX/XX/XXXX and XXXXXXXX XXXX  here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy. 
Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

On XX/XX/2020 I received a alert from my credit monitoring service of account on my credit report inserted by I.C SYSTEMS in the amount of {$130.00}. I mailed a certified letter if dispute requesting them to remove the account and to validate the debt. I have never received a bill statement for this amount and to remove. I also contacted XXXX on XXXX XXXX and to the billing department asking to send a itemized statement andcto dispute the charges. I was advised by Rep.XXXX XXXX that this would be disputed and validated. XXXX XXXX asked to check back in 48 hours. Ibwas given tickey # ( XXXX ). I called back again to XXXX and spoke with XXXX and was advised that there was no billing on the account. She stated that she would advised the collection agency to remove from my account. She stated that the ticket provided by XXXX was never escalated. She assured me that her tickt ( XXXX ) would be escalated and the account would be removed from collections as there was no proof that I owed the balance. Told me to allow 7 business days. She said I would receive an email confirmation of the outcome. Never happened. I called back again on XX/XX/2020 and spoke with XXXX and advised of the run around about this so called bill that I owe. It just appeared out of thin air. She stated she would also create a ticket to have this account looked into and removed. I was advised that she would personally call me back as she starts work at XXXX EST. I've never received that call to date. I reached out to XXXX today and spoke to XXXX. He advised me that all the tickets provided to me yielded no results. He stated that the collection department is saying i owe the debt, but they have no records of account to show. I advised him that this is in Violation of the FCRA. I also went to the local office and was told that the account shows XX/XX/XXXX balance and that they have no record of what the statement shows. This is a travesty and illegal. How can you say I owe a bill from over 2 years ago and not prove to me or the collection agency that I owe the debt. This unfair. I paid my bill in full. I also requested that the collection agency verify the debt and they have yet to respond. The account they are reporting is attached to XXXX. They should be able to provide me with information about this balance and they have failed. This was a internet essentials account for low income families for XXXX per month. Why am owing that balance? This is shame on XXXX. I will never use them again.
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (MO)

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform XXXX XXXX XXXX XXXX and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98
Consumer complaint received 2022-07-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2020-10-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dovenmuehle Mortgage, Inc. (WI)

In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and XXXX XXXX XXXX XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with XXXX XXXX of XXXX settled for XXXX with XXXX down and 60 payments of XXXX. 

We have made every payment on time and continue to do so as recorded on every statement of ours through XXXX XXXX and showing in all XXXX XXXX records. 

XXXX XXXX has transferred servicing of loans to a company named Dovenmuehle Mortgage Inc. ( DMI ) representing XXXX XXXX. 

Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from XXXX/DMI, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by XXXX XXXX ), for the full amount. 

There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any XXXX XXXX phone line, extension or email. 

Our payments of XXXX are being made directly now through cash payments at the XXXX XXXX XXXX in XXXX WI and are showing as accepted by XXXX/DMI. 

With every phone call the XXXX/DMI representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA. 

We are requesting by XXXX/DMI, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, IS U.S Code 1681 b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consurer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-02-11
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. (TX)

Last month I disputed XXXX with Experian and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Experian not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is claiming a hard inquiry on my XXXX report for XX/XX/year> that stems to a loan inquiry I did not make. Since my personal information has been hacked which can be proven and my identity stolen and found on the dark web and attempted to be used, I request this hard inquiry on my XXXX report for XX/XX/year> and my XXXX report in XXXX to be removed ( independent dispute on XXXX made ). It was not me! I did not contact Wells Fargo in regards to a personal loan! It was attempted use of my identity in order to obtain one I never authorized. The inquiry is not valid and needs removal off my credit reports.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX will not respond to open CFPB cases and an open complaint to the XXXX. Transunion for some reason will not allow me to dispute any errors on my report. So this is the only place I can come to report problems on my credit report. Currently XXXX XXXX is reporting that I have an an outstanding balance of XXXX on my account. This account has been paid in full and has a XXXX balance.
Consumer complaint received 2020-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc. (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dispute Department : TRANSUNION LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA. 

Sincerely, XXXX XXXX XXXX