davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. ()

I open my credit report over there i see unsuspicious joint account open in my report is not mine. And also there are 4 5 inquiries which doesnt belong me i an a victim of identity theft. The account open on XX/XX/2023 of amount XXXXXXXX XXXX i report the bank also they told me they can see any account open in my profile i also contact the trans union for dispute they just told me to wait for report to verify i am very upset after finding an un suspicious activity in my credit profile. 
My identity is theft by someone.
Consumer complaint received 2023-08-05
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: LEXISNEXIS (TX)

I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Applied for a new Credit Card with XXXX XXXX ( XXXX XXXX XXXX . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card.
A letter was sent to me on XX/XX/XXXX Ref # XXXX stating I was approved the a " XXXX XXXX XXXX XXXX XXXX Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own.
Furthermore, the Equifax credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by XXXX XXXX  on XX/XX/XXXX Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades.
Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!
Consumer complaint received 2017-09-07
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. (IL)

I 've repeatedly sent Transunion my fraud reports, and asked that they remove the fraudulent accounts and fraudulent credit inquiries. They responded by removing XXXX accounts, and putting the debt into a " dispute '' status. They are reporting a tax lien that is NOT mine. I 've attempted to verify with the courts and they have no record of the tax lien. I 'll attach screen shots or the courts website with the case number, as well as a detailed list of the Inquiries that I did not authorize. When I spoke with a rep in XXXX today he informed me that they verify it electronically through the courts website. Clearly, it 's not in there, I 've spoken with the courts representatives on numerous occasions and they ca n't find anything either.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Creditor file 1099c this changes the status from charge off or debt to ordinary income. Income doesn't get reported on my consumer report so the reporting of a charge off on my report is illegal because it is income.it is no longer debt once the 1099c is file it has changed to income. 15usc 1681b accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates.
Consumer complaint received 2023-08-05
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. (MI)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on XX/XX/2023. Equifax is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX finewise/opploans, and XXXX XXXX XXXX XXXX  is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. XXXX stated upstart, XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all XXXX credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no debt, no therefore any such debt, in fact exists.
Consumer complaint received 2023-05-14
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. (MO)

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-14
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. (PA)

My name is XXXX 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 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We had two issues with our application that, in addition to the lack of professionalism and dishonesty or WF, had material financial implications : -our first application with Wells Fargo was closed without explanation ( XXXX  XXXX  ) -we had a complimentary, partial discount point offer which was never recorded and was not reflected on our mortgage ; the WF employee later admitted internally that this was an error on his part.

****I will be happy to elaborate at any point as working with WF was a grueling and arduous ordeal
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (IA)

Received credit card from Truist Bank XXXXCredit limit of {$20000.00}. Called to cancel on XX/XX/year> and let them know my information was stolen and that I did not request this card and I had never even heard of Truist Bank. On that day they didn't tell me that there was a checking and savings account also opened in my name. I received letters dated XX/XX/year> informing me that the checking and savings accounts were blocked by them. Truist did not close the credit account and now the credit card has been used and maxed out. On XX/XX/year> I reluctantly sent information that Truist requested from me through email. I sent a picture of my state driver 's license, my police report, a picture of a bill confirming my address, and I filled out a uniform affidavit for identity theft from Truist. On XX/XX/year> I received an email from Truist 's id theft group support that states my documentation was received and she will provide a resolution letter when the case is completed. I am currently working with XXXX XXXX from XXXX, a part of XXXX. I am waiting for a response from Truist.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX my XXXX XXXX XXXX XXXX was put into covid forbearance. When it came out I paid back payments of XXXX to bring it current. For the time it was in forbearance my credit report shows XXXX  on XX/XX/XXXX shows 180 days late which is stopping me from refinancing this mortgage and my first mortgage with any bank or mortgage servicer. I reached out to Bank Of America for help they refused to change the rating. This is an adjustable rate home equity loan I tried to get them to change it to fixed but I was told it would be higher if I did that. I would just like to move on from this and restructure my current finances. This complaint is also for my husband XXXX XXXX ss XXXX. XX/XX/XXXX
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (NJ)

According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies XXXX and Experian DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO XXXX, EXPERIAN, OR XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX XXXX XXXX XXXX  never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.
Consumer complaint received 2023-05-14
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. (OH)

My name is XXXX 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 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-14
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. (SC)

My name is XXXX 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 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (UT)

Outrageous Overdraft fees to the point of where it forced me to stop banking with wells fargo all together. I was constantly fighting with the bank because my account would say so much available so I would spend based on what was shown and the outrageous overdraft fees would be compounded then my account would be hundred of dollars overdrawn with in hours of spending what was shown available in my account.
Consumer complaint received 2023-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OR)

Sometime in XX/XX/XXXX to early XXXX, I received several collection letters from collection agencies including Resurgent Services, Financial Recovery Services, etc alleging that I owe money from XXXX XXXX XXXX. I did make any loan from XXXX. I immediately called XXXX and was able to talk to XXXX XXXX, XXXX XXXX ( tel # ( XXXX ) and reported the matter. He said the money was disbursed to XXXX. I don't have a XXXX account and he said he will investigate and will call me back. I also reported the matter to the XXXX Police Department where I live and filed an ID Theft Victim 's Complaint and Affidavit. I had them notarized and sent them to these collection agencies together with other supporting documents ( copy of proof of residency, etc. ). I hadn't heard from them since then and I thought it resolved the issue. Lately, I started receiving the same letters from these collection agencies again!!! I called and sent them the document that they asked but they still kept on asking for more information which I believe only XXXX can provide them. This also has affected my credit history and I ask to please help as this is getting a toll on me and my family.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USI Solutions Inc. (PA)

I have been receiving calls for a few years now about a " loan '' that I took out. No one will provide me in the mail with any information, other than this case is now in " legal ''. Incredibly aggressive tactics, AND the story, most notably the date of when this loan was taken out has changed numerous times, depending on what company calls. Most dates seem to be in the XXXX to XXXX range, however, I am given an address that I have n't lived at since XXXX and an employer name I have n't worked at since XXXX and a XXXX ( I have never banked at XXXX ) This new company seems to have my current address and made an insinuation that I am " hiding '' something when I refused to provide the last XXXX of my SSN or Verify my address. I do n't know this company and I do not owe ANYONE any money, so I am a little bit nervous about sharing personal information over the phone to someone aggressive, ESPECIALLY when internet searches of this company reveal some pretty bad information, including their previous name of XXXX, who was seemingly sued multiple times for poor debt collection practices. They have also called my wife on her cell phone. I just want this to stop, I am not paying anyone, anything. I get up, go to work everyday, have good credit, and am a good person, I just wish these people would actually go and make an honest days living, instead of this. Thank you!
Consumer complaint received 2023-08-05
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: Nelnet, Inc. (TX)

Nelnet is reporting this account inaccurately. This debt has been paid in full. Any remaining balance is due to me the consumer. I am requesting Nelnet to refund the full balance of my account.

Under the Family Educational and Privacy act my financial information should not be shared with anyone. 

I am now opting out of any consent you may think you have.
Consumer complaint received 2023-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I am filing a complaint about a collection agency that has been attempting to collect a debt from me without proper validation. The debt was initially associated with a bank and is now managed by the collection agency. 

The last date of activity on this debt was XX/XX/2023, which is also the date it was reported. I have received numerous letters from the collection agency regarding this debt, despite never having directly communicated with them. 

Upon receiving these letters, I disputed the debt with both the collection agency and the credit reporting agencies. However, the collection agency 's response to my dispute was insufficient. They provided only statements of the debt, without any signed contract or concrete evidence proving that the debt is mine. 

In light of these facts, I believe that the collection agency is attempting to collect a debt that has not been properly validated. I request an investigation into this matter and ask that the collection agency ceases all collection attempts until they can provide proper validation of the debt.