davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2016-05-19
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TFC Credit Corporation of California (NV)

XX/XX/2015 I contacted TFC Credit Corp in an effort to clean up my credit. They informed me that my collection had been sold to XXXX XXXX, and that in order to take care of the collection with them, I would first need to pay off the debt with XXXX XXXX and subsequently, TFC would delete my collection as well. I was told this on two separate occasions, with several different people who work for TFC. I asked them for something in writing that would guarantee this policy, and they refused to send me anything. So, in XX/XX/2015 I settled with XXXX XXXX, thus taking care of my debt with both collection companies. Several months later, I looked at my credit again, and while XXXX XXXX had deleted my account from my credit report, XXXX still had not. I contacted TFC a few weeks ago to find out why they had not deleted their collection that no longer existed, and they said they could n't help me. I am writing this letter to report that I have paid this debt through the company they sold my debt to, and now I no longer owe TFC. That being said, TFC needs to remove the debt from my credit report as it is now falsely reported.
Consumer complaint received 2024-10-08
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. (NJ)

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX : # XX/XX/year>, XXXX : # XX/XX/year>, XXXX : # XX/XX/year>, XXXX XXXX XXXX : # XX/XX/year>, has violated my rights.
Consumer complaint received 2024-10-11
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. (NV)

On XX/XX/year> I disputed an account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/year> that the item was deleted from my credit report through your secure portal. 

Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. I also spoke with a representative of TransUnion Via chat and was advised it was never actually never deleted and no date of reinsertion. I attached a copy of this conversation, the dispute results that states it was deleted. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I Herby Demand that you immediately delete these items from my credit report in order to avoid legal action. I have you in record violating 3 FCRA laws. Please govern yourself accordingly.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Section 605 of the FCRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed. 

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer. 

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-10-08
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. (IN)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-11
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. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-12
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, so please remove them. 

XXXX XXXX XXXX XXXX , New Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX # XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (VA)

While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
, I have included an FTC reort. Please remove IMmediately.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DCI Credit Services, Inc. (MN)

They called me once asking if XXXX worked here, I told them no. 

They called back a second time and asked if XXXX worked here. I told them no. 

They called back and left a message on the voicemail next, to which I replied in a voicemail that this was a place of business and they needed to contact their customers on their personal lines, not to call anymore. 

They called again today and I let her know I had already asked the calls to cease.
Consumer complaint received 2016-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Performance Management, LLC (CA)

XXXX is by far the worst mobile phone company in the nation. I spent thousands of dollars on their service and products over the years only to deal with call drops, account overages, and poor customer service. It is a small amount in dispute and they have dropped my credit score over XXXX points in a matter of 1 week. I have been working hard to build my credit over the past year just to have it ruined by a XXXX company. I will never do business with XXXX again and will persuade all of my family and friends to switch to any other carrier.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp. (NC)

I have asked for extensions on XXXX different occasions. The first one this year was in XXXX of this year, the second was in XXXX and the third was in XXXX. In XXXX, I asked for the extension, which was granted, I paid the extension fee and thought all was well. A few weeks later I checked my account and noticed I was still passed due. I called and they told me that the extension did n't go through because I did n't pay the fee fast enough. I went ahead and paid the rest of the payment. When I made the extension in XXXX, it was the same thing. I called and was told something went wrong and it did n't go through. I was told by one rep that I could get it in XXXX and since I had some money that was put to principle in XXXX, I would only owe {$33.00}. When I received the form for the extension, it still said {$310.00}. I called back and spoke with another rep that told me she would credit me both of the extension fees and do an extension for two months because the extensions did n't go through due to computer errors while they were upgrading and it was n't my fault. When I received the extension paperwork, it was for two months but it said I owed {$310.00} and I was n't supposed to pay anything. I paid the {$310.00} and the extension still apparently still did n't go through because the amounts due have not changed. I have asked in the past for them to check the notes and go back and listen to the phone conversations to confirm what I was told but it never happens.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.
Consumer complaint received 2016-08-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

I would like to file a formal complaint against Seterus for failure to respond to my request by my attorney pursuant to RESPA. My main complaint is that they have taken funds that I had in a suspended account and used it with my permission to paid off late payments that was being charged to my account due to their account error. I have spoke with them and they had promise for over a year to correct their mistakes. They had 60 days to respond by to my lawyer 's letter dated XXXX/XXXX/2015, in which case up until now They have never responded. As well I filed XXXX on this account with XXXX and they failed to reaffirm the account and then sold this account to Seturus who has been very borderline criminal, if not all the way criminal with their practices. Please see my attached letters, thank you.
Consumer complaint received 2016-08-14
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

We were strung along by Wells Fargo for several month 's while waiting on a loan modification to find out that we can only receive XXXX loan modification over the life of our current loan. We tried to continue making payments to them but all of a sudden they stop accepting them. Then they wanted a lump sum of over XXXX to bring the loan current which we could not provide so they started foreclosure proceeding and have already attached a sale date of our property.
Consumer complaint received 2016-05-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been participating in the Short Sales Process with Wells Fargo over a year and half. 
I have submitted all paperwork requested by Wells Fargo and have lost multiple buyers due Wells Fargo stalling us and refusing to bargain in go faith. I just been informed by my realtor that they have decided to withdraw my request to sale my home in the Short Sale process and just foreclose on my property. we have sent multiple offers to them and have received nothing but request of more paperwork that was already sent to them.
Consumer complaint received 2016-04-21
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Peerless Credit Services Inc (PA)

This collections office has contacted me numerous times by phone after being told not to. This included XXXX separate instances where the office called my house literally less than a minute after I instructed them not to call back, the most recent on XXXX XXXX, XXXX at XXXX and XXXX The other instance was during XXXX and I do not have the exact date as my home phone only stores a finite number of incoming calls. 

The calls were more frequent and persistent last year, until I sent the letter on XXXX XXXX, XXXX explaining that the contract was null and void. The collector stopped calling for a few months and made no response contesting my statements about the validity of the contract and reasons for making those statements. 

Now they have called me several times in the past month, including the XXXX calls less than a minute apart, and are threatening legal action on an invalid debt. This has to stop and these people have to be shown that what they are doing is wrong and tortuous.