davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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. (LA)

I have contacted Experian and XXXXXXXX XXXX on several occasions with no resolve. 
I have verified with Experian my Correct Name address and all other personal information. 
Experian knows that XXXXXXXX XXXX XXXX is not my address and never has been my address it refuses to remove this inaccurate address or account from my Credit report. 
Experian argues that XXXXXXXX XXXX gave them this inaccurate information so they cant remove it. 
I have only one address XXXX XXXX XXXX XXXXXXXX LA XXXX. 
Anything else reported on my Credit Report is inaccurate and incomplete. 
XXXX XXXX XXXX does not even show a geographical code or is available on a map in the United States. It does not exist.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX Experiment XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 POSSIBLE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Validation of Debt Request for Account XXXX XXXX Dear XXXX : I am writing to request that you provide me with validation of the debt that you have reported on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, I am entitled to receive verification of the debt that you claim I owe. 

I do not recognize this account that you have reported on my credit report. I do not recognize the account number, account balance, nor do I have any recollection of this alleged debt. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor ; The original account number ; The amount of the debt that you claim I owe ; Verification that you are licensed to collect debts in my state ; Verification that the statute of limitations has not expired on this debt ; Documentation showing that I agreed to pay this debt. 
Original purchase agreement or contract from original owner of this debt ; XXXX agreement if applicable from original creditor showing proof of refusal thereof Please note that until you provide me with this information, I dispute the validity of this debt and request that you cease all collection activity. Additionally, you are to remove any negative reporting regarding this alleged debt from all consumer reporting agencies including any third party consumer reporting agencies until such time as you have provided me with the requested information. 

THIS DOES NOT MEET THE ( FCRA ) Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-10
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 am writing to formally dispute the inaccurate information reported by your company to the credit reporting agencies, specifically regarding the above-referenced account. The details furnished to TransUnion, XXXX, and XXXX are incorrect and do not align with the legal definitions of a charge-off or collection. 

The following errors have been identified : Account Number : XXXX Account Name : XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Balance Owed : {$250.00} ( as of the most recent reporting dates ) Account Status : Charged off as bad debt Dates Reported : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a furnisher of information to ensure the accuracy of the data you report. As per my understanding, a debt can not be classified as both a charge-off and a collection simultaneously. Once a debt is charged off, it should be treated as canceled, and a Form 1099-C should be issued.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I got a job babysitting and the woman asked to send me a check which was to be sent to her daughters birthday party vendor through paypal. once it was sent, it switched to euros and she was XXXX  me to cancel it. i knew then it was a scam and she is a sort of criminal having me send someone random money. When going to bank today, i saw the check was returned and I now am XXXX  XXXX in my account with a toddler as a single mother. i need the money back and transaction cancelled ASAP. ( she asked me to send it because she said she is in new zeal and ).
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request that all addresses associated with my credit report be removed in compliance with the Metro 2 format guidelines. As a consumer, I have the right to ensure that the information contained in my credit report is accurate and up-to-date. In accordance with this right, I am requesting that all outdated and irrelevant addresses be removed from my credit report. 

As you may be aware, the Metro 2 format is a set of guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ) for credit reporting agencies. These guidelines are designed to ensure the accuracy and completeness of credit information provided to lenders and other interested parties. In accordance with these guidelines, I am requesting that all addresses be removed from my credit report that are no longer associated with my current residence. 

I am also requesting that you provide me with written confirmation that these addresses have been removed from my credit report, in accordance with the Metro 2 guidelines. I understand that failure to comply with this request may result in legal action, as it is my right as a consumer to ensure that the information contained in my credit report is accurate and up-to-date. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-10
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. (OK)

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and I am now urgently requesting the removal of these accounts from my report. Their presence is causing me significant stress and does not reflect my true credit history or financial management. If this can not be resolved, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-10-09
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. (MN)

XXXX  XXXX XXXX and Transunion wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-20
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the 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 security and confidentiality of those customers nonpublic personal information. Portfolio Recovery Associates LLC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, Portfolio Recovery Associates LLC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And Portfolio Recovery Associates LLC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates LLC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX  Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX, XXXX  Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXXXXXX, 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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC (WI)

Carvana XX/XX/2021 This is a hard inquiry and I already have one from another time I had already had my credit ran and signed the contract in XX/XX/2021 anything after that is wrong and shouldnt be shown on my hard inquiries because I had already had my car
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

My account has been overdrafted at times, also my account has not been secure in my opinion. I believe my data has been breached. Was allowed erroneous transactions multiple times. The online doesn't like to work a lot, I have had so much trouble with this bank since I started. I believe my account has been stolen money from time to time. Especially once I sold my home I got around 72,000 in there. Nothing seemed to add up.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-04-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

My husband and I took out a home equity loan with Wells Fargo Bank in XX/XX/XXXX. The terms of the loan stated that an interest discount would be given for automated payments. Additionally, we were given a notice stating that if we chose to discontinue automated payments, the interest rate of the loan would increase. 
In mid-XXXX of this year, I received a notice from Wells Fargo stating that they had moved my account from the Home Equity to the mortgage portion of their company and that there was a change in interest calculations when automatic payments are scheduled on a weekend or holiday. The letter stated that if payments are scheduled on a weekend or holiday, they would be taken out on the next business day and interest will accrue over the holiday. 
This leaves me in a catch-22 situation. If I do not pay using automatic deduction I will be charged additional interest, and if I use automatic deduction I will be charged interest on the time over the weekend or holiday. 
I have called the company and talked to numerous representatives over the past month. I have offered to have them take out the payment early on weeks that the payment date falls on a weekend or holiday. After explaining that I could only talk to a representative in the evening, they assigned me to a representative who leaves at XXXX and made a habit of calling me at XXXX in the XXXX at home. I was told that a resolution would be reached by XX/XX/XXXX. XX/XX/XXXX came and went. When I called again I was told that I would have a resolution by XX/XX/XXXX. That date came and went. When I was finally able to reach her today, she stated that yes I would be charged additional interest if I chose an alternative payment method, and that the post dating of payments was a courtesy, not in my contract. 
I have a pretty good memory. I remember specifically asking about interest on payment when the loan was originated, so I went back to my original contract. On the page of the loan titled " Installment Loans and Line of Credit Payments '' It specifically states " If the account 's payment due date falls on a weekend or holiday, payment will be credited as of the date due on the next business day. '' Clearly, the representative is lying to me. The bank has changed the terms of my signed loan contract and is attempting to dismiss my complaint against them.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I cant figure out why. I regularly review my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the wrong information was still there. I'm urging that the documents I've submitted be thoroughly reviewed so that I can stop worrying about this.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 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 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.