davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NY)

I did not authorized this company to add my personal health issues to the credit bureau. They are violating my rights and the HIPA law. 
Please delete from my files as soon as possible Sincerely. 
XXXX XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

There is a bankruptcy reporting on my credit that is inaccurate. I submitted evidence on XX/XX/2022 showing they have no way of verifying that it belongs to me and asked for proof and they will not provide it. I have attached the evidence below
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To whom this may concern, I recently pulled my reports and noticed you are reporting ( XXXX XXXX ) inaccurately and violating the FCRA laws by furnishing inaccurate information on my account as I am entitled to accounts on my report being accurate and verified. XXXX has DELETED these accounts because they were unable to properly verify it. Im confused as to why you are still reporting these accounts and you have access to the same information that XXXX does? Because this account is being reported by your company and XXXX are different, this means the account has not been properly verified by you. Please DELETE this account immediately, as this is damaging to my credit file.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-03-02
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. (CA)

I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several inquiries and one account on my credit report that I never opened. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from multiple companies all of which I am not affiliated with in any way. The account & inquiries listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened a few times in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards the account mentioned above. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized inquiries & account.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

Venmo froze my account for 8 business days after locking the account. Verified all info they request and still my funds and account are frozen. I've called 18 times spoke to supervisors as well as emailed these people and no one can seem to help me. I need my funds.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (TX)

I have had my XXXX  account for years now ; charter communication ( XXXX  ) is damaging my credit by adding 2 additional accounts on my credit report from two other harassing collection agencies. I REFUSED to pay them because I am a customer of the same company and I feel like this is a scam. This is extremely damaging to my credit and has caused severe hardships with getting the help I need. 

report show CBE group ( charter communications ) {$530.00} ( XXXX  XXXX XXXX report show XXXX XXXX XXXX ( charter communications ) {$570.00} ( reporting only to XXXX ) this account is in collections and it shows as " opened '' status.
Consumer complaint received 2022-06-22
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. (OH)

I was looking over my credit file and I discovered an unknown unverified account from XXXX XXXXXXXX XXXX  # XXXX ( HIPPA ) MEDICAL. I have never had any business or service from this company yet they have an account on my credit file that is a violation of FDCPA and FCRA due to failure of notification.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (IL)

In the last few months I have been checking my consumer reports with XXXX, Equifax and XXXX. In XXXX XXXX  XXXX, I have reviewed my latest consumer report. I am aware that there are unauthorized hard inquires that was placed on my file without my consent. According to many acts such as the GLBA ( Gramm-Leach-Bliley Act ) your agents/representatives are not safeguarding my sensitive data. 
I have spoken to the agents of all bureaus to have these inquires removed from my files within 15 days. An FTC report is included with this complaint. I expect for the following inquiries removed from all 3 credit reporting agencies IMMEDIATELY. I am opting out as of today XX/XX/XXXX for the reporting of the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPTARTMENT OF EDU XX/XX/XXXX XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Collected debt protection funds but refused to allow use of debt protection amount and atfalsely claimed return of money. Name on account is in correct. XXXX XXXX XXXX filed XX/XX/2022 thru consumer finance pr
Consumer complaint received 2022-06-22
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 did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX, XXXX Of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud
Consumer complaint received 2022-06-22
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: Resurgent Capital Services L.P. (PA)

I dont know why these account keep popping up on my report! I informed the companies of the fraud activity and they corrected my reports and then with any written nor oral heads up that you would again report misleading information. I want these removed forever for I have already told and proved I did open these accounts.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing the validity of Transunion 's so called investigation.They have a responsibility to report 100 % valid information. Having negative information on my credit file affects me negatively.This account couldn't be validated by XXXX this same account was removed by XXXX. I submitted a screenshot of CFPB complaint XXXX the XXXX account removed by XXXX. I filed a CFPB complaint on Transunion to remove the XXXX they stated it was " validated ''. If the account is validated why have I yet to receive validation.I requested numerous times by mail.On the previous dispute as a stall tactic they responded in another language. I have received communication from Transunion in English only. This is grounds for immediate removal. I have attached screenshot showing removal of this same unvalidated account. I have also included the last letter sent to Transunion and their previous stall tactic response in another language.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

The account XXXX on my report is showing open.That account was a settlement and closed for some reason Experian opened it backed up and reported delinquent payments on my credit report.THAT IS INCORRECT.
Consumer complaint received 2022-06-22
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)

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

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Certified Solutions, Inc (CA)

I'm a victim of identity theft, banking fraud, compromised ssn, all my personal information has been stolen. 
P.S. I'm flowing on a current report I have filled in the past year or so, please I need an update on current status. 

Contact info- XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Thank you...
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

The company XXXX XXXX ( XXXX at XXXX XXXX ) has an account on my credit file that is 7 years old that has been sold to multiple companies removed and placed back on my file.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My mortgage servicer is Fay Servicing ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). We have an impound account for our mortgage through their company. They did not pay my home owners insurance through the impound account so I paid this out of my own account. They also did not pay my property tax on time so I again paid this out of my own bank account ( {$9000.00} ). As they have not been making timely payments if they pay at all I called on XX/XX/XXXX requesting to close my impound account and that I would pay property tax and other payments on my own. I was told by the representative that they would not do this. When I asked to speak to a manager I was told one was not available. They reported they paid the property tax even though the county assessors office has no proof they have but instead showed that I paid the account on my own. 

I have attached my property tax bill that was due XX/XX/XXXX as well as evidence from my bank account that I have paid this bill instead of the impound account.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Medical Data Systems, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Deposited a check for {$84000.00} into a business checking account from another local bank in XXXX of 2022. The check cleared the other bank the next day but have been on hold. No one will tell me why I can't access these funds and they won't let me close the account. Meanwhile I am being charged fees. And the funds are locked.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

To Whom it May Concern : After pulling my credit report, with the intention of improving my credit and taking care of my responsibilities, I noticed a few accounts with INACCURATE INFORMATION reported. I filed a dispute with Experian and the results came back as " updated ''. I sent in documents via mail to the address on their website but they claimed to never have received them. I have proof of delivery/tracking info and the investigation request letter attached to this complaint. The investigation was NEVER thoroughly performed and the information was NOT updated correctly, they only added a false comment about investigating as the update. Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609. Please provide me with copies of the original sources for the items reported. That includes contracts or service agreements I signed with CORRECT DATES. If this information is not available, please note that the validity of these items can not be determined therefore must be removed from my credit history under 15 U.S.C. Sec. 1681i ( a ). 
If you can not furnish, I am requesting that all inaccurate accounts be deleted/removed from my credit history/report. Thank you for your time and help in this matter. The accounts in question : US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (WA)

Claim # XXXX We filed the below complaint back in XXXX. This was the company 's response : " We have forwarded this complaint to our client for reinvestigation. Unless and until our client responds to the query, we will order the item deleted from the credit bureaus. '' So far we have heard nothing! This is still on all XXXX credit bureaus and its preventing us from attaining a mortgage. We need this off our report, please. 

Here is my original complaint : We lived at the Mansions at XXXX XXXX. Our lease was up XX/XX/2021. We told the leasing agency that we were unsure if we were going to resign our lease as we had orders to move to XXXX however, we weren't sure if the orders were going to come through. This was in XXXX, XXXX. The management office threatened us with increased rent and fees if we did not give them exactly XXXX  days to resign the lease for XXXX more months even though we weren't sure if we were going to stay or go. We were bullied into signing the lease for another year. BEFORE our ORIGINAL lease was up we got orders to move to XXXX, Washington and we told the leasing agency that we were in fact going to move out and to please cancel the new lease before it took effect. 

The manager, as well as the assistant manager, said that it was not going to be a problem and that they would work with us. All keys were turned in on XX/XX/2021, ( 14 days before the lease was up ). The apartment was cleaned and looked brand new. We have pictures. A month later the leasing agency sent us a letter stating that we owed for cleaning and for XXXX 's rent. I was perplexed because they had already rented out the new apartment. I spoke to the manager and she said that the management company required us to pay XXXX 's rent even though new tenants had already signed a new lease and had already moved into the unit. The manager expressed that even though we didn't start the new lease, we still owed for XXXX. 

This was news to me. I don't believe we should have to pay for XXXX 's rent and the cleaning fee. We vacated the apartment when our original lease was up. If the apartment had any regular wear and tear, the month of XXXX would have been the time for Maintenace to go in and fix it, giving the new tenants a fresh new place to dwell. We do not owe for XXXX 's rent. Please help us with us. 

XXXX