davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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. (KS)

1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( XXXXCFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and XXXX closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX XXXX XXXX XXXX without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-04
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. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent dispute to all XXXX credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each XXXX, Transunion, and XXXX rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an XXXX ( XXXX of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( XXXX ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This XXXX is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This XXXX is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.
Consumer complaint received 2022-10-04
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: TD BANK US HOLDING COMPANY (NY)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Validation of Debt 1. Verification that the debt is valid.

2. Documentation of the original agreement.

3. Proof that THEY are authorized to collect this debt. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX. 
I have thoroughly reviewed your response to XXXX XXXX complaint ( ID : XXXX ). Unfortunately, your explanation falls short in addressing the significant evidence provided and dismisses our legitimate concerns. 
I vehemently deny your decision to retain the disputed information. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 609, we formally request a reinvestigation of the inaccuracies and request that you review the supporting documentation more thoroughly.

I understand that, according to the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide the requested information. Failure to do so may result in the removal of the disputed item from my credit report.

It is disconcerting to note that despite recent settlements, as reported by the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), for failing to ensure the accuracy of information, our concerns about inaccuracies on XXXX XXXX credit report remain unaddressed. 
Given the recent case settlement and the ongoing obligation to uphold the Fair Credit Reporting Act ( FCRA ), we urge you to reconsider your decision and conduct a thorough review of the discrepancies weve highlighted. We believe the inaccuracies on XXXX XXXX credit report are in violation of the FCRA, and we expect prompt corrective actions. Added to previous report that I have been directly affected as a victim by the recent high-risk data breaches, exposing over XXXX XXXX identities during the final quarter of XXXX. This incident is particularly alarming, considering its potential impact on public sector agencies. 



XXXX XXXX
Consumer complaint received 2022-10-04
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: Collection Management Holdings, LLC (GA)

This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX  XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX bankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

Thank you
Consumer complaint received 2022-10-04
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. (NJ)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 2022-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

Received following set of emails from Wells Fargo : We Have Received Your Application Dear XXXX XXXX, Thank you for choosing Wells Fargo for your financial needs. 

We're writing to let you know we received your application for a Wells Fargo Everyday Checking account on XX/XX/2022. 

Please see below for further details and important next steps for your account ( s ). 

Wells Fargo Everyday Checking Application Reference Number : XXXX Status : Your application has been approved. 

Next Steps : Make your opening deposit by using the Wells Fargo Mobile app, by transferring from another bank account, or in person at an ATM or branch. 
Set up Direct Deposit. Have your paycheck or regular income deposited automatically into your Wells Fargo checking account it's convenient, fast, and safe. 
View your submitted application, disclosures, and account documents up to 90 days from when the account was opened. ( You will need your access code or your username and password. ) Thank you again for applying for your Wells Fargo Everyday Checking account at wellsfargo.com. Please keep this email for your records. 

Sincerely, Wells Fargo Online Customer Service Wells Fargo Bank , N.A . Member FDIC. 

Please note : Do not reply to this message directly. You can call XXXX with banking questions or XXXX for technical assistance.
Consumer complaint received 2022-10-04
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. (CT)

On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXXXXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/XXXX, I paid a mortgage in full held by Wells Fargo. At the time of payment in full, there was an overage in my escrow account linked to the mortgage, in the amount of approximately {$4100.00}. At the time of payment in full, Wells Fargo did not inform me of the overage nor tried to return the money to me. 
On XX/XX/XXXX, two months after the mortgage was paid in full, Wells Fargo emailed me saying a check for the overage had been mailed to me on XX/XX/XXXX. See attached email. I never received that check. 
On or around XX/XX/XXXX, I called Wells Fargo to inform them I never received the XX/XX/XXXX check. Wells Fargo said it would reissue and mail me a new check ; that I should receive it within 2 weeks. I never did. 
On or about XX/XX/XXXX, I called Wells Fargo to tell them I never received the check. I asked for the money to be sent to me using alternative means ( wire, XXXX, pick up at bank branch, etc ), and Wells Fargo refused. Instead, Wells Fargo said it would send a new check by express courier and it would arrive within two business days. That new check never arrived. 
To this date, I have not received my approximate {$4100.00}, five months after Wells Fargo should have returned that money to me.
Consumer complaint received 2022-10-04
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: Resurgent Capital Services L.P. (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OH)

On XX/XX/21 I was notified by XXXX XXXX, XXXX a new account was opened in my name. I had not opened a new account. The account was listed as THD/CBNA, which is XXXX XXXX XXXX Citibank XXXX XXXX XXXX I have frozen all my credit through XXXX XXXX, and XXXX as well as disputed this on my credit report. I have filed a police report with my local authorities. I have also contacted XXXX XXXX and let them know I did not open this account. In the process of doing this I checked my balance the limit is {$5000.00}, with charges totaling almost {$5000.00} on the account. I am not sure where the purchases were made or who might have made them.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to TransUnion website they report bankruptcies public records on credit reports through XX/XX/XXXX, this information is obtained by third-party vendor XXXX. Bankruptcies public records collected after XX/XX/XXXX ; this information is obtained by third-party vendor XXXX. ( Exhibit A ) On XX/XX/XXXX, I disputed with ( TransUnion ) the validity of these bankruptcies they are reporting on my credit report. ( Exhibit B ). They responded on XX/XX/XXXX, stating the items was still verified. ( Exhibit C ). I went directly to XXXX ( Exhibit D ) and XXXX ( Exhibit XXXX ) to dispute these items and in response to my inquiry XXXX disputed with TransUnion ( Exhibit F ) but could not verify these items, so they deleted it from their database. ( Exhibit G ). XXXX never responded since XX/XX/XXXX. I have also went to the courthouse/pacer in response to my inquiry they DO NOT verify information to any credit reporting agencies. ( Exhibit H-I ). 

I then went back to TransUnion on XXXX XXXX XXXXXX/XX/XXXX, and informed them their process was invalid due to me providing documentation and that I am aware per the FCRA I have to give 30 days to correct a known mistake. ( Exhibit J ) On XX/XX/XXXXXXXX XXXX XXXX TransUnion responded stating the items was still verified and are not required to reinvestigate the same dispute twice ( Exhibit K ) they have once again refused to delete these items and failed to send me documentation or proof of an actual investigation. Furthermore, TransUnion did not properly conduct a full investigation of FCRA in a consumer 's credit file due to the business name and address are incomplete/inaccurate. ( Exhibit L ). 

These items need to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my XXXX credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX senior U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my XXXX credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX senior U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX is reporting to three credit bureaus Experian, XXXX, and XXXX that I owe them a balance of {$590.00} the car was paid off. XX/XX/2018 ( 4 yrs, 7 mos The account was opened XXXX XXXX  and XXXX XXXX paid the car off. The car was totaled. The car was paid off in full by XXXX XXXX. There saying Im three years late on payments. XXXX took it off my credit report. They refuse to show where the car was paid off by XXXX XXXX. The {$590.00} they say I owe is fraudulent and not accurate. Theyre trying to take money that I dont owe and wrongfully reporting it to the credit bureaus. Ive never made a late payment. The impact this account is having on my credit report is tremendous is a negative way. I need intervention to remove this from credit report.