davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Acct #. XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " Transunion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-22
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. (NY)

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-22
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. (FL)

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 an account without my 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 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting Act 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 an account without my 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 2023-02-22
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. (IN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX Balance : {$2300.00}.
Consumer complaint received 2023-02-22
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 604 Section A States I have a 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 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOV ASSOC is trying to collect a debt for XXXX XXXX XXXX XXXX that was written off and a 1099c issued by XXXX XXXX. Portfolio recovery is reporting the debt incorrectly to XXXX XXXX and XXXX credit reporting agencys.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (FL)

Have a bank account and credit card with Wells Fargo. Added an authorized buyer XXXX AB ) to the card account and attempted to provide the AB info, as in Date of Birth, Social Security and Address, Wells Fargo rep refused.

The card was mailed to me, I gave it to the AB and monitored my online access to pay for his use. AB works for me and I pay the bills, aside that, WF refused to take hi info.

Never saw the charges. Log in and check, nothing, then I receive a past due notice with interest piling on.

Log on to account, nothing.

Called Wells Fargo, they refuse to speak with me about the card bill, need to speak with AB. Explained, how does he identify / verify himself since WF refused his info and why can I not see the charges on MY account. Rep stated to ask AB for info.

WF does not have nor did want his address. Still Tried to transfer me to online, they told her no. Need him.

Makes no sense. I own the account, he is an AB and I need to pay it. 

With a PERECT credit score, this is frustrating. Makes no sense.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I made a mobile deposit on XX/XX/XXXX through the banking app. The app informed me that my funds would be on hold until XX/XX/XXXX. This is an 8 day hold. {$300.00} was made available but the other {$1200.00} was on hold until XX/XX/XXXX. This was a payroll check from the board of education. These checks were previously on direct deposit, but we changed it from checking to savings causing a pay period to issue a paper check. 
This kind of deposit is my ONLY option as there are no branches or ATM 's within XXXX miles of my home. I have done deposits in this way many times previously and never encountered such a situation. 
I reached out through the website chat feature and attempted on XXXX occasions to ask for the hold to be released. Today, XX/XX/XXXX, I tried yet again and was told that because my account had previously had low balances and insufficient funds, they had to hold my deposit for 8 days. This makes no sense to me because while I have this hold, my scheduled bill pays are returning and I have a low balance despite attempting to deposit money. Further, this has caused incredible financial hardship to my family as we can not pick up necessary medications, put gas in our car, pay our rent, or even get groceries.
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I became a victim of wire fraud on XX/XX/XXXX for {$6800.00} dollars and XX/XX/XXXX for XXXX. The wires were made without my authorization and I did not initiate them nor did I share my personal information with the fraudulent Chase employee who had all my information. I reported the fraud to chase as well as the XXXX and fbi as soon as I realized I was dealing with an imposter Chase representative on XX/XX/XXXX. At that time swift wire recalls were requested and initiated via chase secure messaging which I am told is the only way to communicate with Chase regarding wire fraud. On XX/XX/XXXX chase secure messaging informed that I need a hold harness or indemnity letter to get my funds from the respective banks they were fraudulently wired to. Secure message said to contact claims dept option 3, claims informed me they had no idea how to obtain hhl or indemnity letters and directed me to the chase branch. The assistant manager at the chase branch made many phone calls and could not get a straight answer regarding these letters that I was told I need to get my money back. She informed me that she is unable to assist me any further as she herself can not get a straight answer. I have tried every avenue to communicate with chase but have been met with disrespect and frustration from the lack of communication within there own department. I am filing this complaint as a last ditch effort to reclaim the funds that were fraudulently stolen from me in a bank account that I have trusted with my life savings. Chase needs to stand by there moto of a Commitment to Integrity, Fairness and Responsibility. This experience is traumatic both mentally and financially the bank has taken no responsibility showed no fairness and lacks integrity in the way that they treat customers just trying to get some answers during a financial emergency that they do not protect customers from.
Consumer complaint received 2023-04-18
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this!! 

The accounts listed here need to be DELETED IMMEDIAYELY. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX
Consumer complaint received 2023-04-18
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. (GA)

Experian refuses to update four of my student loans with XXXX XXXX XXXX to reflect their accurate status and balances. The company performed an investigation into my dispute of their reporting for these accounts and completed the investigation stating that the account would be updated to reflect that theyre open/never late and with their proper balances. When I checked my credit report after receiving this report, Experian only updated one of the five accounts and left the remaining four accounts listed as closed with no balance. This erroneous reporting has significantly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and from acquire a home to rent for shelter.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (IN)

This request is about information that is reporting on my personal credit report from the credit bureau listed above. I am formally disputing this debt and I am requesting a validation of this debt. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 

Under the Fair Credit Reporting Act, Fair and Accurate Transaction Act and Fair Credit Billing Act I have a right to request proof that I have a legal obligation to pay the alleged debt to you. Please provide me with the name and address of the original creditor, what services were performed, a detailed history of the account, copies of documents bearing my signature where I agreed to pay this debt. 

I am pretty sure your company knows that while this account is in dispute, you are not supposed to continue trying to collect this debt or report to the credit bureaus regarding this account. If you do, it will be a clear violation of the FCRA, FACTA and the XXXX. If you do provide me with the requested information, I will require 30 days to review the results, at which time collection activity must continue to be on hold.
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I want to report an incident with Midland Credit Management, who has contacted me for the past two weeks. When I finally answered their call today, it was only a recording asking me to dial XXXX. I called the number and spoke with a representative, but there was a clicking noise. The representative asked me to verify my personal information, which I was only comfortable doing with knowing the reason for their call. Despite my hesitation, the representative insisted on confirming my personal information, and we got nowhere. I requested that they send me whatever they were referring to in writing, but the representative claimed they had already sent it to me and could not provide a date. However, I have not received any mail from Midland Credit Management, as I have a mail alert system allowing me to view my mail for up to a year. When I asked the representative to verify the address on file, he only confirmed that he could ascertain it but refused to provide me with it. When I persisted, he updated their file to say that I had refused to speak with him, even though I was the one who initiated the call. Midland Credit Management violated your rights under the FDCPA by failing to provide the required disclosures and by refusing to provide you with information about the debt in writing. Their attempts to verify my personal information over the phone violated my privacy rights under the law.
Consumer complaint received 2023-04-18
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. (TX)

Hello, Could you please remove account ( attached to identity theft report ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, as this is not my account, I've tried to reach out to the company itself but Im unable to reach anyone via phone. Please remove this from my credit report immediately as this account is affecting my credit score. Also, please remove the unauthorized inquiries attached to the identity theft report as well.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX. XXXX XXXX  XXXX {$4500.00}. XXXX. XXXX XXXX {$1100.00} XXXXXXXX XXXX : {$410.00} XXXXXXXX XXXX XXXXXXXX : {$360.00} XXXX XXXX  XXXX XXXX : {$1400.00}. XXXX XXXX XXXXXXXX : {$1100.00} XXXX. XXXX XXXXXXXX. {$350.00} XXXX. XXXX XXXX : {$8600.00}
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to request that you update my address on my credit report. I would like to include the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Additionally, I would like to request that you remove all other addresses from my report as they are not accurate or deliverable to me by the U.S Post Office. 

As you know, accurate and up-to-date information is crucial for my financial well-being, and I am committed to ensuring that my credit report reflects this. The address I am providing is my current and deliverable address, and I request that you update my credit report accordingly. 

Furthermore, I request that you remove all other addresses from my report that are not accurate or deliverable. This will ensure that my credit report is free from errors and up-to-date, which will help me in managing my credit and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX
Consumer complaint received 2023-04-18
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under XXXX U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$43000.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$7500.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1200.00}
Consumer complaint received 2023-04-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose. 
XXXX XXXX
Consumer complaint received 2023-04-18
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. (SC)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX