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: 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)

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to Experian, XXXX and XXXX. 

I requested that all accounts be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX, Experian and XXXX ignored my request and continued to report after I opted out and revoked my permission. 

They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. Also demand notice was sent on XX/XX/XXXX. ( see demand Notice ) The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A 20 USC 1232G Defamation of character XXXX, Experian and XXXX are in violation of multiple US Codes, Privacy Act of 1974, Family educational and privacy rights and FCRA.

All accounts currently being reported are to be removed from my credit report Per 15 USC 6802. Except for XXXX card services account XXXX, Experian and XXXX are in violation of many of my rights as a federally protected Consumer.
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. (NC)

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX, XXXX and Transunion. 

I requested that all accounts be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; XXXX, XXXX and Transunion ignored my request and continued to report after I opted out and revoked my permission. 

They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. Also demand notice was sent on XX/XX/XXXX. ( see demand Notice ) The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A 20 USC 1232G Defamation of character XXXX, XXXX and Transunion are in violation of multiple US Codes, Privacy Act of 1974, Family educational and privacy rights and FCRA.

All accounts currently being reported are to be removed from my credit report Per 15 USC 6802. Except for XXXX card services account XXXX, XXXX and Transunion are in violation of many of my rights as a federally protected Consumer.
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: Experian Information Solutions Inc. (FL)

HI 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.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd. (TN)

On XX/XX/XXXX I wrote to XXXX disputing a collection account I was unaware of and specifically asked for validation and verification of the account. I requested a certified copy of a written agreement or contract bearing my signature and that XXXX has a valid basis and/or authority to collect this dept in the state of Tennessee. 
The Collection Bureau of America responded on XX/XX/XXXX and failed to provide ANY of this information, but instead began further collection attempts and updated their claim on my credit file and refused to delete the information. 
I followed up with a second letter and as of the date of this complaint have received no further information.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian, XXXX, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, XXXX  and Experian to have the late payments removed. I have disputed with XXXX, Experian and XXXX  and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.
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)

XXXX XXXX XXXX XXXX {$2200.00} - - -No Data Dispute Account Information Address XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX  Date Updated XX/XX/XXXX High Balance {$2200.00} Original Creditor XXXX XXXX XXXX  Past XXXX {$2200.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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, Equifax, and XXXX 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 XXXX, Equifax, and XXXX 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 ( XXXX ), 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 accounts below 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 2020-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (NV)

I own a VISA gift card purchased at giftcards.com. A fraudster stole my account # and used it to charge {$350.00} worth of XXXX gift cards for himself at XXXX. I wrote and called both giftcards.com and XXXX trying to resolve this and neither will refund my money. XXXX simply does not respond at all to anything since corona, and giftcards will not allow me to file a dispute because it took me 75 days to notice the fraud and they have a strict 60 day policy, despite the fact that giftcards generate no monthly statements so i could not have been aware of the fraud until i next tried to use the card, which took 75 days to happen. i have copies of the letters i sent to both XXXX and giftcards, as well as the email reply from giftcards.
Consumer complaint received 2023-01-27
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-01-27
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, Equifax, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, Equifax and XXXX  to have the late payments removed. I have disputed with XXXX, XXXX  and Equifax and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.
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. (MD)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My XXXX  with XXXX was ending and I wanted to pay off the balance in full. I attempted to contact the company both via telephone and via the online message center in my account several times. I was told over the phone that XXXX would send me the pay off amount information but I never received a single document despite my repeated attempts. Concerned about missing a payment, I continued to send payments to XXXX in the interim because I did not want there to be an issue. XXXX sent the payments back to me and still did not send me any pay off information for my mortgage. 

XXXX then proceeded to accuse me of missing payments despite the fact that my payments had been sent in and subsequently returned, and they reported it to the credit bureaus. This is absolutely unfair because XXXX failed to provide me with the amount and payment information to pay off the loan which I requested several times. I wrote a letter to XXXX requesting that they please cancel the missed payment report sent to the credit bureaus considering this was XXXX 's fault and they refused stating they were not in the habit of doing that. As soon as I received the pay off information many weeks later, I proceeded to pay off the loan entirely. This is absolutely unfair. I had never missed a payment in the past and XXXX 's incompetence and significant delays have negatively impacted my credit score. I am currently renovating my home and late mortgage payments in the last 12-months kill my chances of getting a loan. I respectfully request that you please expedite this process as I am being punished for something I did not do. I can provide a copy of the letter we sent as well as screenshots of the messages I sent to XXXX requesting the pay off instructions.
Consumer complaint received 2023-01-27
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. (MD)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$540.00}
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

Hello, as we all have endured in XXXX  we all experienced XXXX. In this economy shut down we received impact payments. I never received my first impact payment of {$1200.00}. The IRS indeed shows they sent it but the bank consumers do not have any recognition of this. I have been dealing with this situation for 2 years and I have a routing number and a XXXX digit bank account number to where the funds went to that was not my account or the state that I live in. I would kindly like to get this solved for the issue still stands.
Consumer complaint received 2023-01-12
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo charge me NSF fees upon additional NSF fees that caused my account to be negative in the upper {$100.00} bracket this causing my future paychecks AKA direct deposit from my employment to be less than I expected thus causing my bank account to have less money in it for me to pay my bills therefore causing utilities to be shut off and making it harder for me to make my payments via my bank account I called numerous times I don't remember the dates and feel I shouldn't have to put down the dates anyway you can figure it out once you go through Wells Fargo anyway they paid back small amount of my NSF 's but only would pay a portion which didn't even include Half of the amount owed to me please fix this for me in advance I thank you XXXX XXXX
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On XXXX XXXX, XXXX, GENESIS CREDIT MANAGEMENT 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, GENESIS CREDIT MANAGEMENT has violated my rights as a consumer and i'm requesting legal action to remove this account immediately