davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2023-02-18
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. (MA)

I recently checked a copy of my credit report. I discovered several legitimate accounts that I opened and that belong to me are reporting some fraudulent activity. I also discovered accounts that I do not recognize, that were fraudulently opened in my name. I am the victim of identity theft. 

On XXXX XXXX, XXXX I was XXXX  for violating the terms of my state and federal probation. On XXXX XXXX, XXXX I was subsequently sentenced to a term of XXXX in federal court. Shortly after the state of Massachusetts sentenced me to a concurrent sentence ( running together ). I was released from XXXX to home confinement on XXXX XXXX, XXXX and immediately resumed employment. I was never charged with or convicted of a crime. Again, this was the result of a technical probation violation for suspicion of committing a crime. 

As a result of my XXXX I was obviously unable to utilize my legitimate accounts. Also, several fraudulent accounts were opened in my name. All activity from XXXX XXXX, XXXX through XXXX XXXX, XXXX is fraudulent and should be removed. 

I filed a police report and notified all the creditors as well as the 3 major credit bureaus, TransUnion, XXXX, and XXXX. XXXX and XXXX have already removed the fraudulent activity. TransUnion has not. 


NOTICE via USPS certified mail with return reciept Please see all supporting documentation including : A copy of my credit report with the fraudulent entries and accounts highlighted in pink. 
A copy of my state drivers license, social security card, and US passport to verify my identity. 
A copy of the police report I filed with the XXXX Police Department. 
A copy of a recent credit card statement from one of my legitimate accounts to verify my address. 
A copy of the US District Court judgment sentencing me to prison. 
A copy of my prison ID. 
A copy of the Federal Bureau of Prisons sentence computation verifying the dates of XXXX and release to home confinement. 
A copy of the state of Massachusetts docket sheet showing my concurrent state sentence running side by side with the federal sentence. 
A copy of the bill for XXXX and proof of payment.
Consumer complaint received 2023-02-18
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. (NJ)

On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title clerk US Bankruptcy Court District of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681-2 ( 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 2022-12-20
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (VA)

Please see attached documents for detailed account of my dispute with Wells Fargo, regarding my personal loan. Wells Fargo advised I had paid off this loan, closed the account and removed it off my online banking. Two months later I found out something happened to the payoff check and WF reopened the account. WF reported to XXXX that I was delinquent on payments.I received no explanation from WF.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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. 

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. 

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 2022-12-20
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: Credence Resource Management, LLC (PA)

i sent a letter on XX/XX/2022 to XXXX XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services (CA)

XX/XX/2018 purchased new XXXX XXXX with warranty, within XXXX minutes the engine light came on and XXXX was lagging on freeway. I went back to Mercedes and told its a new car and it needs to be driven at least XXXX miles. 
todays miles is XXXX when I would take my car for engine lights, transmission problems that should be covered under warranty, I was told my warranty doesnt cover it. 

I have had my XXXX parked for nearly 2 years 90 % of the time, because I am afraid of paying service bills or my insurance going up on problems defects. 

The service XXXX XXXX XXXX- should be investigated. This has been normal practice for him to charge insane service fees or ask for side tips. 

mercedes XXXX XXXX gave me XXXX estimate saying the car needed a new engine, please note I paid XXXX for the XXXX. Again warranty doesnt cover it so i have to call my insurance agent, they requested I call the insurance agent right there at the mercedes XXXX department XXXX 

insurance agent gave them XXXX estimate, after a day, insurance agent calls backs saying he went to mercedes- per service XXXX request to visit. 
a few days later - i was presented with a XXXX approx estimate to pay mercedes from my insurance agency. 

I believe both companies committed fraud.
Consumer complaint received 2022-11-28
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. (ME)

This is in regards to an account on my report. The account is XXXX  XXXX XXXX XXXX. 

XXXX. On XX/XX/XXXX this account was reported as a Charge Off by XXXX  XXXX XXXX in XX/XX/XXXX. ( enclosed a copy of credit report from Experian with payment history chart ). 

XXXX. The above account was closed by XXXX  XXXX XXXX on XX/XX/XXXX. ( letter from XXXX  XXXX XXXX also enclosed. ) XXXX. On XX/XX/XXXX Experian changed the credit report to state that the above account was charged off as of XXXX of XXXX. 

How can an account that was previously charged off be charged off again 6 years later. There were XXXX investigations done on this account and that both returned inaccurate information. Also this inaccurate information was also disputed with XXXX, XXXX and already been deleted from my credit file. Changing the Charge Off date changes the Status of Limitations on how many years this can stay on my credit file. The account has been paid in full. 

Please delete this account immediately.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, Experian Bureau was notified to delete all addresses and phone numbers listed on my credit report/file. A certified dispute letter ( certified tracking # XXXX ) was sent directly to the company for corrections to be made immediately. 

Experian has been advised of the violations being committed according to code 15 USC 1681a Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. 

15 USC 1681 Section 602 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 an account without my written instruction.
Consumer complaint received 2022-11-28
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. (NC)

My name 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 2022-11-28
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. (CA)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Equifax sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am XXXX XXXX and Bank of America withdrew {$1400.00} from my checking account my mother opened up for me at XXXX. I am XXXX XXXX XXXX and i was told my mom could not manage my account anymore and was told I didnt need to remove her. BOA XXXX XXXX XXXX XXXX leaving it impossible for her to catch up with payments she was having sent every pay period. They closed her account so she couldnt continue making the payments. Now they have taken my money for college that was deposited in my account, leaving me XXXX cents. They have taken up to {$1800.00} from my that came in my name and they had purchases be returned and charged me NSF for that XXXX purchase.
Consumer complaint received 2022-11-28
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. (MN)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX  account has violated my rights XXXX  XXXX bank Account XXXX XXXX XXXX  Account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602A. States I have the right to privacy.

15 USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions and I did not give written instruction.

15 USC 1681c ( a ) ( 5 ) section 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) 1 ( A ) a person shall not furnish Any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (CA)

XXXXXXXX XXXX affiliate from XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2022 A dispute was made the company was charging {$14.00} XXXX cents USD Over a transaction that I used another card from so if to transfer that amount to my card but was later returned to original XXXX card because failed to accept each. 

XXXX company charged me XXXX Which I should not been charged since transaction was not completed and money was retuned to XXXX  ain't and company still asking for XXXX even if money from XXXX card not XXXX  I spoke to this of XXXX  the banking issue im correct I shouldn't be charged. For money already been returned. And the company also closed my acct and cause me fraud along side stating someone else or myself open separate account and they also banned me from bank and also told me I don't have option to pay even wanted to balance I shouldn't been charged can't money already returned to original XXXX bank instead XXXX closed acct and ended dispute of charge mine and but my acct flagged as fraud and also claim someone else or me open separate acct and fraud was done and my identity was not confirmed which is ridiculous because when I open card my id was accepted but months later im told diff my identity not confirmed and suspect fraud. And im being charged an amount was already returned to XXXX by XXXX  bank by XXXX and customer service only told me acct closed im banned from the bank and label my acct fraud since claim someone else or me act was made.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (NY)

My name 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 2020-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I have sent a certified mail to Southwest Recovery Service to not contact me directly and for them to contact my attorney on XX/XX/2020. They still contacted me on XX/XX/2020. I need Southwest Recovery Service to provide the following information to my attorney. 
Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I have attached the certified letter that I have sent to collection company.
Consumer complaint received 2022-11-28
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)

My name is 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.