davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (CA)

XXXXXXXX XXXX XXXX XXXX  {$2400.00} Opened XX/XX/XXXX Closed XX/XX/XXXX This is a business account belonging to a company, It should not be on my personal credit report.
Consumer complaint received 2023-05-31
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. (FL)

I am filing this complaint to Transunion for allowing these fraudulent activities on my file. These accounts just suddenly appeared on my credit file. I have no knowledge of these accounts and never heard of the original creditors. I did not receive a dunning letter nor any attempt to contact me which is required by law to do. This is so stressful and I need your help in resolving these. In the meantime, It is an urgent matter. Could you kindly block these fraudulent accounts under the Fair Credit Reporting Act section 605B.
Consumer complaint received 2017-01-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (VA)

I am the President of XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I bank with XXXX. 
I initiated a domestic wire XXXX {$89000.00} XXXX on XXXX XXXX, XXXX to Wells Fargo Bank with the correct name of the beneficiary and his address. I incorrectly put my client 's loan number as the beneficiary 's account number. On XXXX XXXX, XXXX I called my bank to recall the wire. My bank has told me they will not provide Hold and Harmless as required by Wells Fargo Bank. We called Wells Fargo and offered to provide Hold and Harnless with our Error and Omission policy. Wells Fargo called me today XXXX XXXX XXXX, XXXX ) and said that will not return the money until they receive Hold and Harmless from XXXX.
Consumer complaint received 2023-05-29
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX, XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2023-05-29
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. (TX)

onXXXX XXXX XXXX, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXXXXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX acc # 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 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 record of conviction 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 2023-05-29
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. (OH)

n accordance with the Fair Credit Act XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX {$440.00} Open balance XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$5900.00} 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 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am single XXXX woman who is a victim of the predatory lending practices that Bank of America and Countrywide were found guilty of in XX/XX/XXXX. I have always questioned the business practices of Countrywide from day one and have filed several complaints with then Attorney General XXXX XXXX as well as the CFCB. But my mistake was I did not provided the necessary documentation to assist in my complaint .Since XX/XX/XXXX I have stated that I felt that Countrywide had inflated my appraisal so the they may close on my pay-option-arm loan. The first appraisal on my home was performed on XX/XX/XXXX and the appraisal value stated {$85000.00}. OnXX/XX/XXXX another appraisal was performed and it states the value of the home at {$110000.00}. ( 3 months later the value increased by {$21000.00} ). Both companies that performed the appraisal were hired by Countrywide d/b/a Americas Wholesale Lender. I was not aware that they were supposedly " mortgage broker '' ( as stated in CW response to my XX/XX/XXXXcompliant ). They displayed themselves as someone who was hired/or sent out by Countrywide to perform an appraisal on my home.I fully believe that when loan was transferred /or sold to Bank Of America that they were aware of the fraudulent and deceptive business practices that Countrywide did and my loan was one of the predatory loans that Countrywide was found guilty of and still are performing today ( see attachment scan XXXX ). In XX/XX/XXXX United States Attorneys Office Central District of California reached a settlement with Countrywide for 200,000 XXXX and XXXX borrowers who were placed in subprime loans and charged higher fees. ( see scan XXXX ) Please review, investigate all documentation if additional information is needed please feel free to reach out to me. Thank you
Consumer complaint received 2023-05-29
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 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 2023-05-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/, I submitted a dispute to Experian challenging a hard inquiry made to XXXX XXXX by XX/XX/. With my XX/XX/XXXX  letter, Experian was provided a copy of my valid Texas driver license and social security card. These were provided to verify my identity. 

My XX/XX/XXXX  dispute explained to Experian that " I [ had ] contacted XXXX XXXX regarding the unauthorized inquiry and requested that they remove the inquiry from my credit profile. The lady that I spoke with stated that she was unable to verify why the credit pull was conducted. '' Experian refuses to investigate the disputed inquiry. 

A copy of my communications to Experian are attached.
Consumer complaint received 2023-05-29
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. (MO)

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number # XXXX ... has violated several of my rights by reporting this same account multiple with different original balances and multiple late fees for each reporting. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer can not furnish an account without my written instructrions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have three missed payments on my XXXX  XXXX credit card XXXX that are seven years old and need to be deleted from my XXXX credit report I have asked for these items to be deleted, but they are not. 

The three missed payments. Are the dates following. XX/XX/XXXX, XX/XX/XXXX in XX/XX/XXXX.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

there is an account in my credit report that i do not know .. this accoun show me that i posses {$690.00} in debit collection for some years ... .this company name as Shoutwest credit system is using a fair credit reporting act violation..
Consumer complaint received 2023-05-29
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 — Investigation took more than 30 days
Company: T.S. Holdings (TX)

This complaint is to inform the CFPB that XXXX continues to violate procedure in case of disputed accuracy 15 U.S code Section 11681i. 
In a previous complaint filed in regards to IQ Data International, I stated that XXXX has taken more than 30 days to respond to my request to conduct a reasonable investigation. In regards to IQ DATA INTL INC partial account number XXXX On XX/XX/XXXX I sent a certified mail with XXXX pages of the lease agreement which did not bare any of my signatures. Along with a letter asking for a reasonable investigation. Included in this correspondence, I included a copy of my state issued drivers license and a copy of my XXXX XXXX  tax return, showing that I did not live in XXXX, XXXX  during that time. The written signatures sections on the leasing agreement sent to me by IQ data is actually blank.

NO ACTUAL PROOF THAT I SIGNED THE LEASE ADDENDUM. IQ Data then send me a threatening letter informing me that they would not do any investigation on the matter and that the item would remain on my credit file. Which is a violation of 15 U.S.C. 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
As of today, XXXX has just decided to respond to my correspondence. I submitted information regarding this matter on XX/XX/XXXX. I just received a response from the credit reporting agency dated XX/XX/XXXX stating that the item is verified. From XX/XX/XXXX to XX/XX/XXXX is XXXX  days which is a violation of The Fair Credit Reporting Act. This act allows 30 days to conduct a reasonable investigation. This incorrect information on my credit report has caused me to be denied for a home loan. My next option will be seeking remedies for damages. I have presented more than enough evidence that I did not sign a lease agreement with this company. And XXXX continues to ignore the evidence. I have encountered an overwhelming amount of disrespect from this company in regards to this item on my credit file. This company should be embarrassed to call themselves a consumer reporting agency.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-05-29
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. (TX)

Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didn't receive this paperwork - you need to remove this account immediately. You are also reporting different information when all data furnished should be accurate. How is the payment history inconsistent and how can the date of last activity have 2 different years? Please see the attached letter that was sent to the company XX/XX/23 which is dated, and time stamped along with the inaccurate credit report. Remove the following account from my credit report within 15 days : XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

EXPERIAN is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported and the account with XXXX is FRAUD. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide documentation used to determine inquiry and XXXX account was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used and signed application with consumer WET INK SIGNATURE. Consumer is not asking for an E-Oscar report. If EXPERIAN does not have documentation to show these were in fact authorized, it must be removed asap. Said company is liable under the SEC to follow certain rules. EXPERIANS Commission file number is documented. I will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their Consumer File NOT Consumer Report.
Consumer complaint received 2023-05-29
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. (CO)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-05-29
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-05-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 2023-05-30
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. (KS)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  Balance : {$16000.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXBalance : {$11000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX Balance : {$17000.00} ; XXXX XXXXXXXXBalance : {$12000.00}.
Consumer complaint received 2023-05-29
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. (NV)

n accordance with the Fair Credit Reporting act XXXX collection bureau of XXXX XXXX, 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 a account without my written instructions
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.