davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

please remove all inquiries 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. 
XXXX  Account # XXXX ( input accounts ), 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 2022-12-13
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)

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation. 

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX  is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX  according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX  to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX  should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 


I didnt consent nor benefit from XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

I request this account and all late payments be removed from my Consumer Report, Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2022-12-13
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. (ME)

I asked XXXX and XXXX credit to fully investigate an error on my credit profile over 90 days ago. I become aware of the fraud accounts during an annual security check. Since XXXX I have lived and worked only in XXXX, and XXXX. 

I learned that a third party opened many accounts with a close approximation to my name in XXXX at an address in XXXX Texas that I have never lived at or that I am familiar with. XXXX bought a fraudulently opened account they claim to be my account from XXXX XXXX. 

XXXX XXXX has admitted the account is fraud, and even advised that the last name on the account was XXXX, not XXXX! Yes, the name of the guy from friends. 

They then sold the fraudulently opened account to XXXX. 

XXXX refused to remove this account which clearly is not my account, from my credit bureau. They have threatened to sue my XXXX XXXX XXXX father. 

I demand that XXXX, XXXX XXXX and XXXX are sanctioned for their illegal actions against me, in violation for the Fair Debt Collections act, and in violation of the Fair Credit Reporting Act. They are unable to produce any proof that I ever opened the account, because I did not, and I was not even in the United States when the fraud activity occurred. According to 15 USC 1681i TransUnion has 30 days to investigate and send me the results. They failed to do so, and even asked you for more time 30 days ago! 


This is not OK.
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (KS)

I closed my account on XX/XX/2018 with BB & T, because I moved to XXXX where there are no BB & T branches. 

I paid off a {$20.00} XXXX XXXX XXXX XXXX XXXX  I have tried repeatedly to close this account, and I have paperwork that says the account is closed, however when I pull up my credit report it says its open and in good standing. I have a letter from XX/XX/2018 that says it's closed. When I call BB & T now Suntrust, nothing changes, they say they will close it, but it's still open.
Consumer complaint received 2022-12-13
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

on XX/XX/2022 I went out to my empty the trash at XXXX XXXX and my XXXX  XXXX  XXXX was gone. I was behind on my payment and had let them know that I was going to court for child support and would pay as soon as my stipend came in. It was late. But I was only behind 2 months. So, I thought I had some time. I have another car through them, and they had also put a order out to have it towed but it was in the garage. They were willing to let me fix the payment on that car to not have it towed which I did. However, the XXXX they took was 100 days past due, but the car was XXXX. I wouldn't have let there be a XXXX  in payment history. So, I asked them to see, and they said that it didn't matter because they had the XXXX now. So, my option was to refinance, and I could have it back. I agreed. They came back and said because I Had late payments and missed payments and now this repossession that they wouldn't give me an additional loan. I am a single mom, and I Can't do anything at this point. 

The problem comes down to the lien. They bank didn't perfect the lien and I have the title to the XXXX with no lien on it from the XXXX XXXX XXXX. I just got a letter stating that I am abandoning the vehicle and that way the bank can have the title, but I have the title. No one will help me to get it back. When they finally admitted that they made a mistake, they are making me pay all of the towing fees and the turnover the title with no written agreement. I have the tittle with no lien, but they won't release my car and won't let me refinance but I want to and have made payments up to this point.
Consumer complaint received 2022-12-13
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. (IA)

XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. 
This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. 
If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies. 
The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? 
If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. 
Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a XXXX  or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. 
Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
XXXX companys policy does not supersede Federal Law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with TransUnion on XX/XX/19. XXXX received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2022-12-13
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my perm

ission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} TXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-13
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I reject your offer to contract I did not consent to any nonaffiliated third party XXXX XXXX XXXX ACCT # XXXX to be in possession of my Nonpublic Person Information. This is notice to cease and desist all communications and furnishing false credit information on my credit reports is also considered communications. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. I have reason to believe that the Original CreditoXXXX, XXXX XXXX XXXX, Transunion are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. By putting this false credit information on my credit reports your damaging my name and credit worthiness. If you do not remove this false credit information immediately ill be forced to Seek justice under all my FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Remove this false information immediately.
Consumer complaint received 2022-12-13
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. (OH)

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CO)

In the entire amount being disputed, or I should say attempting to resolve, I was not notified during the dispute process (especially toward the end) that the account was being charged off and placed back into Citi Recovery on behalf of XXXX XXXX XXXX XXXX. Because the account balance was being handled by several different entities, the total account balance was in dispute by me, the card issuer, the debt collector(s), and the account servicer.  As a result, communication was unclear and I was charged significantly more than I should have been. Even though the account balance was inevitably sent to collections (and truthfully, this was the best outcome because it finally established a firm account balance), it was done so without proper notification that any dispute processes were closed. As a result, any correspondence undertaken by other entities was mis-timed and did not result in clear communication explaining any given entity's intended course of action.  Above all, the card issuer did not act in good faith toward seeking a resolution that prevented the consumer from incurring negative credit reporting.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

After reviewing my credit profile on XXXX I identified a discrepancy with account listed under WAKEFIELD AND ASSOCIATE and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On or about XX/XX/2022, I requested a disbursement check from XXXX XXXX, in the amount of {$12000.00}. This check was made payable to myself, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, Trustees of the XXXX XXXX XXXX. The check was written by XXXX XXXX, on a check made payable from their XXXX XXXX account # XXXX, Check # XXXX. ( see attached photos ). On or about XX/XX/2022, I contacted XXXX out of concern that I had still not received my {$12000.00} check. XXXX informed me that this check had been cashed by an unknown individual at a Wells Fargo branch on XX/XX/2022. I informed XXXX that this was a fraudulent transaction, and to please take all necessary and immediate steps to make sure this transaction was stopped immediately. On or about this same time, I completed an affidavit for check fraud for XXXX XXXX, as requested, and have now been waiting over 6 months for a resolution, and the return of my funds. I have been unable to receive any sort of communication, updates, or resolution from XXXX XXXX, or XXXX XXXX, because they inform me that they are awaiting a response from Wells Fargo Bank. 

XXXX XXXX submitted a request for reimbursement to Wells Fargo Bank on XX/XX/2022. ( please see attached letter ). As of today, XX/XX/2022, Wells Fargo has not issued a refund, nor any status on this fraudulent transaction which they processed. 

As a consumer, I am caught in an endless loop of NO ANSWERS, and NO ACCOUNTABILITY, and I desperately need help to recover my funds. I believe that Wells Fargo needs to be accountable for the fraudulent activity which they allowed, and reimburse the funds for this transaction immediately. I am requesting that they provide me a replacement check in the amount of {$12000.00} on or before XX/XX/2022.
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed the inaccuracies of XXXX XXXX XXXX  on my credit report with Experian on XX/XX/19. Experian received my disputes on XX/XX/19as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from Experian. The FCRA gives the company 30 days to respond. I have not gotten a response.