davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX  XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX VIA DEALER ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  ( Bank ) XXXX ( Finance ) XXXX XXXX ( Auto ) XXXX  XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX 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. I never made these inquires I will be filing a online police report because this is fraud related
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-06
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. (OH)

This letter serves as a follow-up to my previous correspondence regarding the unauthorized inquiries on my credit report. Despite my multiple attempts to resolve this matter, these unauthorized inquiries continue to remain on my report. I am writing again to request the immediate removal of these inquiries, which were made without my permission or authorization. 

As I have previously stated, I did not authorize these inquiries, and they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, unauthorized inquiries must be removed from my credit report.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern, I am writing to formally file a complaint regarding multiple discrepancies and inaccuracies in my credit report as reported by Experian and XXXX with an account reporting on my credit. These discrepancies are negatively impacting my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I have identified the following inaccuracies between the two credit reporting agencies : XXXX. Account XXXX : Experian : XXXX XXXX XXXX : No information provided XXXX. Number of Months ( Terms ) : Experian : 42 months XXXX : 0 months XXXX. Payment Status : Experian : Late 180 Days XXXX : Late 120 Days XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Two-Year Payment History ( XX/XX/XXXX to XX/XX/XXXX ) : Experian : 180 days late consistently XXXX : XX/XX/XXXX to XX/XX/XXXX : 120 days late XX/XX/XXXX : No data provided XX/XX/XXXX to XX/XX/XXXX : 120 days late XX/XX/XXXX to XX/XX/XXXX : Current XX/XX/XXXX : No data provided XX/XX/XXXX to XX/XX/XXXX : Current XX/XX/XXXX : No data provided These inaccuracies present a total of seven distinct reporting errors. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must report accurate and complete information. The inconsistencies listed above clearly demonstrate that either Experian or XXXX is not fulfilling this obligation. 

On XX/XX/XXXX, I disputed these inaccuracies through the CFPB, and both XXXX and Experian responded stating that the account is verified as mine. However, they continue to provide inaccurate information on my credit report. This ongoing failure to correct the discrepancies has caused significant harm to my creditworthiness. 

I am requesting an immediate investigation and correction of these errors. I demand that the Consumer Financial Protection Bureau ensures that both credit reporting agencies rectify these discrepancies and provide accurate and consistent information regarding my account. If accurate and consistent information can not be obtained, I request that this account be removed from my credit report. 

Furthermore, I would like to be updated on the steps being taken to resolve this matter and the timeframe in which I can expect these inaccuracies to be corrected. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Information in Credit Report Number XXXX To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Verification XXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account Thank you for your prompt attention to this matter. I expect a response within the 30 days allowed under the FCRA. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account # 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 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

Originally in XX/XX/XXXX my mortgage was paid by two banks : XXXX and XXXX XXXX XXXX  XXXX. However, the XXXX payments ( two of {$410.00} ) were never applied to the account. I have been trying to call and resolve this matter with Wells Fargo Home Mortgage since XX/XX/XXXXr but to no avail. I never get the same person. When I try to use an extension or an email was given to me, I don't get a response, get a voicemail, and never get a callback. 

Finally last month, they figured out that the cash department had not received the payments I had made from XXXX bank. You looked into the matter and told me you found the payments had been applied to the home projects account I had opened. You said this money would be moved and applied to my mortgage. 

Instead, however, I received a check in the mail cut for XXXX because they had to move the money that way because of tax ID purposes. However, when using that money to pay my mortgage, I was still charged a late fee. Therefore, I need to be credited a late fee from XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX to make up for the clerical errors on Wells Fargo 's part. 

Similarly, this has now created ANOTHER issue with the home mortgage project account, as it is not showing an outstanding balance for the amount the check was cut for. I am not sure why this is ; I was told the cash department applied my payments to that account, NOT my mortgage. Therefore, where is the cash that I had sent that was said would be applied? 

I am growing increasingly concerned, as this was supposed to be rectified. Instead, there is now another XXXX discrepancy, and multiple late fees involved. It is showing me I owe on that home project account now, one that has been at XXXX balance for over two years. I want to get that to XXXX   and close that account. 

This whole manner is very disconcerting and the amount of time/red tape involved in trying to get this handled. I got a letter from Wells Fargo company stating it had been taken care of and they were checking credit bureaus to make sure it had not been reported ; I felt relieved that everything was being dealt with. Then I got the check in the mail just before the holiday weekend, and it all started again. 

Since then, I have tried calling a whole team of people, and no one will return my calls or emails. 
XXXX XXXX - XXXX XXXX XXXX - Team Lead XXXX XXXX XXXX XXXX XXXX - apparently out of the office until XX/XX/XXXX I have also reached out to Wells Fargo on XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  of Community Banking and Lending. We live in Ohio, and despite the fact you own our mortgage, there is not a branch office in a reasonable distance we can walk into. 

The only payment I have missed is the current one because the account is saying there was unapplied funds. I have tried calling to talk about what this means and where they came from before more of my money gets misallocated.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

As a result of Wells Fargo Bank misrepresentation of my balance XXXX XXXX XXXX incurred an overdraft fee of {$35.00}. XXXX XXXX XXXX issued a Accord and Satisfaction Paid In Full Check Money Order in accordance with California Civil Code 1526, UCC 3-311 & UCC 3-603 on XX/XX/2016. Wells Fargo Bank accepted the instrument however they failed to extinguish the debt pursuant to the law.
Consumer complaint received 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-05-16
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: JPMORGAN CHASE & CO. (AZ)

Someone keeps trying to apply for a chase card in my name and its showing up as a hard inquiry on my report. I called chase and talked to a manager who informed me that it would be removed. The dates for the hard inquires are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2018
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ive been enrolled into the customer assistance program ( hardship ) since XX/XX/XXXX. the first payment was due on XX/XX/XXXX of XXXX, the payments were being done automatic.. the account is closed by the creditor and that's fine. the collection agency states that they are turning over the payments to the creditor. the in house collection dept states that they see the payments. so I contacted customer service dept at XXXX XXXX   and they stated that even thought the account is closed and turned over to an out side collection company they ( XXXX XXXX/XXXX ) can still report the account delinqent
Consumer complaint received 2018-05-16
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (OK)

I received a message from our receptionist at work on XX/XX/XXXX to call XXXX XXXX ( XXXX XXXX XXXX ) at XXXX. So, I called her that same day on my lunch break and made arrangements to pay on my student loan and advised them NOT to call my place of employment anymore, she then verified my cell #. Once we got off the phone, I was emailed that same day the agreement papers and for me to sign and return, which I did that same day and emailed them back. On XX/XX/XXXX, I received another message from my receptionist at work with another message to call XXXX ( XXXX XXXX XXXX ) at XXXX. I called them back and spoke with a rep named XXXX XXXX ( XXXX XXXX XXXX ) and told him, that I specifically told XXXX for your company NOT to call my place of employment. XXXX, then asked what date did you make this request? I explained to him that I have only spoken to your company one time ( XX/XX/XXXX ) other than me calling back today, and I advised no more calls to my place of employment. I advised him that they were now violating the FDCPA laws and I was now going to file a complaint. He said he understands and continued on with the reason for them calling me again, payment process did not go through. Once, he resubmitted the arrangements again and took my debit card information again. He apologized and told me he doesn't blame me for continuing to pursue to file a complaint. He then thanked me and ended the call.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I became a of victim of Identify Theft on XX/XX/XXXX. 

I filed a police report with XXXX XXXX Sheriff 's Deputy XXXX on XX/XX/XXXX. 
I mailed Experian ( along with the other two agencies ) a form letter with detailed information containing my date of birth and social security number, my current address of over 30 years, along with copy of recent utility bill, copy of my driver 's license and a copy of the Police Report that was given to me by Deputy XXXX. My letter requested a permanent security freeze be placed on my credit account. With the letter was the police report stating the file number, classification of incident, date of incident, deputy 's name and badge number, along with XXXX XXXX County Sheriff 's Station contact information. 

I sent these documents via USPS certified with a return signature form, which shows Experian received the documents on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Experian stating their refusal to place a security freeze on my account due to my police report not meeting their criteria for security freeze. Their letter stated that I should pay them {$10.00} to place a freeze instead. The sheriff deputy report clearly states the incident of the crime as a 530.5pc, which is an identify theft incident. They are refusing to acknowledge my police report in order to extort {$10.00} from me. 

I phoned Experian on XX/XX/XXXX and was directed to an over seas staff person that refused to acknowledge my claim of Identify Theft. They stated the only way I could get a security freeze was to pay Experian the {$10.00}. 

I'm left feeling like another victim of crime from Experian for their refusal to abide by California Civil Code 1785.11.2-1785.11.6 and 1785.15. and whatever Federal Laws they violated too.

I also sent same letter and documents to XXXX and XXXX, to which they initially refused to grant a security freeze, but with follow up phone calls and requesting speaking to multiple supervisors several times on same phone call, I was finally transferred to a USA based employee and able to get the security freeze placed on my account from both of them ( 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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft, I never authorized anyone to access my social. I would like for these fraudulent accounts to be removed immediately. I never gave any consent for any lender to access my report to add any inquires, accounts, or addresses please remove all of these items from my report. Be sure to read the following files attached below.
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX {$1100.00} XX/XX/XXXX NAMES NOT RECOGNIZED AN XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-06
Product: Credit reporting 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)

I am writing to dispute the following information in my credit report. I am a natural person and a living individual, entitled to rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. It has come to my attention that Experian, XXXX and XXXX are governed by this statute, has violated my rights multiple times. 
The account in question is : XXXXXXXX XXXX XXXX Account # XXXX This account is not mine, and the creditor has failed to verify it as belonging to me. I sent a letter requesting validation of this debt on XX/XX/year>. To date, XXXX XXXX has not provided a response or the original contract with my original signature. This lack of response is a clear violation of my rights under the FCRA. 
According to 15 U.S.C. 1681, I have the right to privacy. I did not provide Experian, XXXX, and XXXX with written permission to furnish this account, and therefore, they have no right to report it. Furthermore, Experian, XXXX, and XXXX are falsely reporting a charge-off associated with this account, which is entirely inaccurate. The information provided by Experian. XXXX, and XXXX is both false and misleading. 
By reporting this false information, Experian XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Additionally, XXXXXXXX XXXX  XXXX as the data furnisher, has also violated my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits furnishing information if they know or have reasonable cause to believe the information is inaccurate. 
I demand that the erroneous information be removed from my credit report immediately, as required by law. Please provide written confirmation that these items have been deleted or, if you decide to verify them, provide the name, address, and telephone number of the party that verified the information. 
Thank you for your prompt attention to this matter.