davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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. 
I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Per the FCRA as a federally protected consumer, Im now opting out of any and all authorizations I the consumer may have giving you written unwritten verbal and nonverbal per 15 USC 6802. Educational Privacy Act of 1974 15 USC 15801 AFFECTED IMMEDIATELY
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-09-27
Product: Credit reporting 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. (MO)

Upon checking my Experian consumer report on XX/XX/2023 it has come to my attention that there are XXXX XXXX inaccuracies on my consumer report, some including inaccurate names, addresses, telephone numbers and others including multiple inaccuracies from XXXX company on several different dates. I have highlighted and numbered all inaccuracies found.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX I received a call with my back number and the man stated that my account was being hacked gave me made up and real purchases to verify the account he then told me to send a code to verify my account. The man stated that someone sent money through XXXX to a XXXX XXXX and asked me if I knew the person I told him I didnt and then my son text me asking why I XXXX him XXXX dollars at that time the person on the phone told me that that he had froze my account and it was safe to tell my son to XXXX it back to my account. I asked for a supervisor because I was feel uncomfortable and he just said you have been talking to me this long and you have been a member since XXXX does that help and at that time I disconnected the call and immediately called the bank telling them of the situation and was then put on hold for 45 minutes before I spoke to the fraud department. I filed a claim had to close that account and open a new account. The bank said they would investigate and I would receive a letter ( which I never did ) with results. Filed a police report with XXXX Florida police department and called the bank to report the police report #. Called XX/XX/XXXX to check on the claim because I did not receive information or the money back. I was told the investigation was closed and that I would not receive my money back because it was an authorized XXXX. I was also notified I was not able to file an appeal and there was nothing I could do any further. My son kept the money in his account until my checking account was secured and then he sent it back to my account. The phone call was at XXXXXXXX XXXX and the emails were not seen until I did an investigation after the call.
Consumer complaint received 2023-09-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M/I Homes, Inc. (TX)

I am being asked for the 2 most recent statements per my personal checking account and paystubs showing 30 days by MI Homes Financial. I sent them the information they asked for except I blocked out all but the last 4 digits of the banking account number out of privacy concerns. I do my best to protect myself against fraud. I also block out my employee id from my paystubs. After submitting it, I was told they needed the documents resubmit without blocking out the account number or employee ID. When I asked why they needed that information. This is the response I received : " Our investor and FHA will need to see all of the information reflected on the bank statements and the paystubs without any markings We have submitted documents in the past to our investor and FHA with mark-outs and obstructions, and they unfortunately kicked the loan back to us We would hate for your loan to be kicked back, so please be sure to resend your documents without any markings or obstructions '' As if they would deny me the loan for not sharing what I believe to be private information. This explanation does not make sense to me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This consumer reporting agency has failed in their obligation to limit the reporting on a consumers consumer report in the purposes listed under section 1681b.

The law states 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

I have asked for verifiable documentation of permissible purpose as stated in 15 U.S.C. 1681b and they failed to provide me with such documentation.

The law states if no such documentation can be provided all accounts listed below must be deleted if such documentation cant be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (WI)

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 Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-09-27
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it aslo states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

I had a checking account opened with Wells Fargo and suddenly they claim to not want to do business with me anymore. No specified reasons but just allowed me to get my money back and they would close my account at the end of XX/XX/XXXX. I am continuing to get correspondence from Wells Fargo regarding my accounts balance. Ive went to the branch more than five times and the same thing, they call to find out my account cant be closed because its over in the fraud department. I finally talked with them several times and was promised that it would be closed. I asked for an email and a letter once this is done. Talked with the fraud department in XX/XX/XXXX and was promised the same thing again as it was elevated up to their supervisor. To this date of XX/XX/XXXX XXXX still receiving correspondence mail that my account is still there. They are totally ignoring this after they are the ones who requested to close my accounts. This is truly aggravating me and I need assistance getting away from them totally. Please help
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (CO)

On XX/XX/year> @ XXXX, I called upgrade customer service to close my card account ending in XXXX the representative told me that there is a note in my account that the company will not close my credit card account until the balance is at XXXX. I dispute it this and advise the representative that it is my right to close my account, she stated. There is nothing that she can do. I'm requesting assistance with closing this account as it is my right to do so if I no longer want it.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OH)

I BELIEVE THE TERMS LISTED IN THE LOAN AGREEMENT VIOLATE STATE LAWS REGARDING PAYDAY LOANS. 

XXXX XXXX XXXX XXXX  : A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan : ( A ) Interest not exceeding a rate of 28 % per annum ; ( B ) ( 1 ) Except as otherwise provided in division ( B ) ( 2 ) of this section, a monthly maintenance fee that does not exceed the lesser of 10 % of the originally contracted loan amount or {$30.00}, provided the fee is not added to the loan balance on which interest is charged ; ( 2 ) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on active duty in the armed forces of the United States or a dependent of that person.

( C ) If the originally contracted loan amount is {$500.00} or more, a loan origination charge in the amount of 2 % of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged ; The interest rate on my loan far exceed this at 541.21 % The amount financed : {$800.00} 28 % on top of {$800.00} = {$1000.00} https : //www.ustatesloans.org/law/oh/ # : ~ : text=According % 20to % 20Ohio % 20state % 20law, at % 20a % 20time % 20is % 20allowed.

According to Ohio state law, payday lending is legal.

Ohio has a {$1000.00} payday loan limit. Payday loans can be taken for the period from 91 to 1 year with a maximum interest rate of 28 % ( APR ). One loan at a time is allowed. No rollovers are allowed. Criminal actions are prohibited. 

I am going to need some kind of response regarding this, it seems the terms are illegal and I will be seeking legal guidance or potentially a lawsuit/ bankruptcy to deal with this. 

Please reach out promptly.
Consumer complaint received 2024-01-17
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: EQUIFAX, INC. (VA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

The collection agency Genesis Credit Manag DBA Columbia Debt Recovery has reported past due debt of {$950.00} Acct # XXXX under XXXX, XXXX and XXXX 18 USC 1028A : Aggravated identity theft a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance to the Fair Credit Reporting XXXX XXXX Account XXXX XXXX balance {$640.00}, XXXX XXXX # XXXX Balance {$170.00}, XXXX XXXX XXXX Balance {$7600.00}, XXXX XXXX XXXX XXXX XXXX # Balance {$4000.00} XXXXXXXX XXXX XXXX XXXXBalance {$3500.00} XXXX XXXX XXXX XXXX Balance {$11000.00} has violated my rights. 
XXXX - XXXX XXXX XXXX XXXX Balance {$5500.00} XXXX XXXX XXXX Balance {$8200.00} 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 

I told XXXX, Transunion, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have reviewed my consumer reports and noticed that there is a record of one late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see screenshot attached :
Consumer complaint received 2024-01-11
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX