davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions - in accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions - in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 - 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 a account without my written instructions - 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 a account without my written instructions - 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 a account without my written instructions
Consumer complaint received 2022-08-05
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: TD BANK US HOLDING COMPANY (CA)

I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON XXXX SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Early XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means I did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT
Consumer complaint received 2022-08-05
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. (AZ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$340.00}
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (MI)

I disputed an error recently found on my Experian credit report. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The inquiry listed below is not related to one of the allowable purposes from The Fair Credit Reporting Act. The inquiry that Experian is reporting on my credit report is as follows : XXXX. XXXX XXXX XXXX I requested for this inquiry to be deleted from my credit report immediately. If this company says that they have pulled my credit report with permission, I exercised my legal right and requested for verification by Experian to include : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they said that I gave permission. 
3 ) Method they said that I gave permission. Please include documentation of said permission. 

Experian did not follow the law as required by the FCRA. As of the date of this complaint, Experian did not verify any of the above items. They sent an email response that required me to log in to a website. The response from Experian on that site to my request to delete this inquiry was that it was updated and the update was credit granted which is incorrect. This is not an appropriate response per the FCRA and is a blatant violation of this law. How are they allowed to do this? 

I need assistance to get this inquiry deleted from my Experian credit report immediately. Thank you!
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; 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 XXXXXX/XX/2022 ; TEXAS XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Equifax credit report XXXX credit report XXXX Show these inquiries was not approved by myself XXXX XXXX XXXX XXXX all rights reserved a living man. Credit pull happened without my knowledge. I have submitted in writing letters and FTC report and have contacted each creditor separately which I was told they do not hold and information on me that shows requested inquiries.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello On XX/XX/XXXX I sent out a letter to XXXX, XXXX, Transunion I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.
Consumer complaint received 2022-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

The Notary signatures were not being accepted, after several times submitting them, it appears as though they ( Mr. Cooper ) were prolonging the process so it would benefit them. We were following every process they asked us to follow yet everytime it would be a different story why they couldn't or wouldn't accept the signatures. It was like they were XXXX XXXX, example can't understand the handwriting, the XXXX look like the XXXX, your signatures can't go beneath the lines, the seal is in the wrong spot or it's to high up. We even tried there notary which didn't work because the notary signature ( documents ) never reached their office, ( makes you wonder what heck is going on ). Then they stated asking for documents all of sudden after a year had pasted, which in the beginning of the process I didn't have to submit any documents. I'm just confused and frustrated of the whole process and how it has been handled, this process I feel should not have taken XXXX years to complete. I know interest rates change but once a rate is given or in process it should be locked in at that rate until the completion of the process. Also I was told that the with holding ( forbearance ) money would be attached to the back end of the mortgage. That's why I perceive that this prolonged process will only benefit Mr. Cooper and not me the consumer.
Consumer complaint received 2022-08-05
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. (GA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2022-08-05
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. (OH)

I received XXXX XXXX XXXX XXXX adverse letter dated for XX/XX/2022. It states I was denied due to the inaccurate information received from the consumer reporting agency/agencies : TransUnion. 

Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!! 

On XX/XX/2022 I initiated a credit transaction with XXXX XXXX XXXX XXXX, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to XXXX XXXX  XXXX XXXX with my Credit Card XXXX card number ending in XXXX, in return for me obtaining a XXXX Tradeline or better defined as money under 15 USC 1602 ( l ) to purchase products and services from XXXX. Unfortunately, XXXX XXXX XXXX XXXX has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ). 

In result of this adverse action, XXXX XXXX XXXX XXXX has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. XXXX XXXX XXXX in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from XXXX XXXX XXXX XXXX unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction .

In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, XXXX XXXX XXXX XXXX shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under XXXX XXXX XXXX ( f ).
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (GA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act Account # 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 an account without my written instructions.

The following Account ( s ) : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. 
Balance : {$12.00}, XXXX
Consumer complaint received 2022-08-05
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: LEXISNEXIS (IL)

Early XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through Lexis Nexis also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means I did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I HAVE SENT IN MY POLICE REPORT AND FTC REPORT ABOUT THESE FRAUDULENT INQUIRIES. HERE THEY ARE : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (AL)

A fraudulent account was opened in my name with XXXX XXXX XXXX and it can not be verified as valid or my obligation. I have enclosed proof that the company has fraudulently opened and sustained the account under a false dealership name.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance to the fair credit reporting act XXXX  account # XXXX, has violated my rights in Pursuant 15 USC 1681 section 602 A states i have the right to privacy. Also violated 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (IL)

I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (TX)

Credit report notice shows a default to a power company in the amount of {$620.00}. 
Account opened XX/XX/2022. 
Service power address is where I lived 15 years ago. 
I am legally divorced ( 15 years ), and ex-wife still lives at service address. 

The debt is with collections so I can not dispute who authorized the account with the power company. 

I live in the same house with the same utilities going on 14 years with never any association with my ex-wife ever.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone tried to open up a Credit Card with XXXX XXXX XXXX XXXX XXXX under my name. 

I told XXXX XXXX that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to XXXX as an " Open Account '' under my name.
Consumer complaint received 2022-08-05
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: Bread Financial Holdings, Inc. (OK)

In early XXXX of XXXX, I received a statement from Comenity Bank indicating a balance of {$160.00}, including a late fee of {$75.00} and interest charges of {$4.00}, but the statement does not contain information on any purchase. Additionally, the statement does not have a header and doesn't show any retailer name. I called Comenity Bank on XX/XX/XXXX to inquiry the charges and informed them that I have not received any statements recently and this is the first time I am seeing the charges. They indicated the purchase was for XXXX XXXX and agreed to waive the late fee, but refused to waive the interest charges. I asked to speak to a supervisor and they dropped my call two different times. I called a third time and the customer service person transferred me before I even finished my sentence. I have sent in a payment of {$91.00} on XX/XX/XXXX, which includes my purchase amount of {$86.00} and the interest payment of of {$4.00}. I have also requested them to close the account. Given the circumstances and the fact that I did not receive any statement until a payment is due, I believe their practice is unfair and violated me as a consumer.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2022 I received a text asking me if I had tried to send XXXX via XXXX to XXXXXXXX XXXX. I responded No but immediately called Wells Fargo Bank to see what was going on. They told me it was a scam and had me to send a screen shot of the text to their phishing department. Less than 10 minutes from sending the email I received a phone call from the Wells Fargo number and put it on speakerphone. The gentleman told me he was an employee of Wells Fargo and was calling to save my money. He proceeded to tell me to transfer my money in savings to my checking account. He even knew how much I had in my accounts. He gave me an email address of XXXX. He had me go to XXXX on my WF app and had me to start sending my money to this email on XXXX. I told him I didnt feel right about this but he said he would never jeopardize his job with WF and gave me a badge number of XXXX I had a witness, my roommate, XXXX XXXX who was hearing the conversation so she can attest to what was said. I begrudgingly sent my money telling him the whole time I didnt feel good but he just kept reassuring me everything was legitimate. He then told me he would send me an email to change my username and password but didnt receive in 5 minutes and called WF to find out why and she said I had been scammed. She filled out disputes for me and told me how to change my username and password. I am in a XXXX home and have no way to replace my money. This was for me to go to my daughters wedding and if I dont get the money back I will not be able to go to her wedding.