davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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. (VA)

I have disputed with Transunion over several times in regards to multiple accounts being reported incorrectly, They are reporting incorrectly and multiple charge off which is misleading and inaccurate. They have not done the proper investigation in regards to these accounts I disputed multiple times. I a, requesting statutory damages due to lack of investigation and allowing to report inaccurate. Not only does it show monthly charge off they actually have the balance still reporting when it should be XXXX due tot he charge off itself, They are violating my rights which I have listed as well along with XXXX  who I called and they informed my to call another agency in regards to my credit WHICH I DID NOT GIVE THEM PERMISSION TO DISCLOSE MY PERSONAL INFORMATION TO THIS OTHER PARTY AND NOR DID I GIVE THEM PERMISSION TO REPORT TO MY CREDIT. CRA 15 USC Code 1681B- PERMISSIBLE PURPOSE- Permissible purpose under this law they have to provide evidence WRITTEN instruction of me authorizing them to report to my credit. WHICH THEY DID NOT GET THAT INFORMATION. 
Another reason is 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). THEY HAVE NOT REPORTED ACCURATE INFORMATION AND I ALSO REQUESTED FOR THAT XXXX  ACCOUNT TO BE REMOVED BECAUSE OF REPORTING INACCURATE INFORMATION NUMEROUS TIMES. THE CHARGE OFF AND EACH TIME IT CHARGES OFF IT DRAGS THE LIMITATIONS OF THE DEBT. 15 USC 1681 SECTION 604 A SECTION 2- Stated a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They have failed to investigate and correct inaccuracies multiple times. Yes, under the Fair Credit Reporting Act ( FCRA ), if a creditor reports inaccurate information on your credit report, they are obligated to investigate your dispute. If the investigation confirms that the information is indeed inaccurate, the creditor must remove or correct it.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

I have had 5 over drafts charged to my account I reached as my online banking wasnt working for me to transfer funds my direct deposit hit my checking account but I couldnt transfer funds I called customer service I was informed I cant get my fees reversed as they company gave me a refund already once this year I work for Wells Fargo and Ive banked with Wells Fargo since XXXX  not to mention the company opened accounts on my name without my consent I think getting a refund is not hard to ask
Consumer complaint received 2024-09-23
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. (GA)

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 ( XXXX  ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (VA)

I am writing to formally request the issuance of IRS Form 1099-C in relation to the cancellation of debt that has occurred with my account. After a thorough review of my records, it is clear that a significant portion of the debt has been forgiven or canceled, yet I have not received the corresponding Form 1099-C, as required by the IRS.

According to IRS guidelines, creditors are obligated to issue a 1099-C form when a debt is canceled or forgiven in an amount of {$600.00} or more. The timely issuance of this form is essential for tax reporting purposes, and failure to provide it could lead to inaccuracies in my tax filings, potentially subjecting me to penalties or additional liabilities.

I respectfully dispute the lack of compliance with this legal requirement and request that the 1099-C form be sent to me promptly. Please respond to this request within 30 days, as required by federal law, to avoid further escalation of this matter. I hope to resolve this issue amicably and without the need for additional action. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXXXXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (IA)

I have attempted on two separate occasions to obtain what LexisNexis calls a " Consumer Disclosure Report '' and the process is inadequate to provide timely information to any consumer who is forced to use their services. 
The process to obtain a report is as follows : Fill out their online form and then be directed to a page that displays the following : Acknowledgment Message Your order has been received. You will receive a message via US Mail within the timeframe allowed by law. We will verify the information you provided with information in our records. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. 

I have submitted the same exact information to XXXX, XXXX XXXX, XXXX and XXXX to verify my identity online and make any changes to my credit information and verify my credit report. If LexisNexis is not capable of utilizing the available technology the other credit reporting agencies have been using for the last 5 years, then the ability to opt out of their services should be an available option for consumers. on XX/XX/year>, I filled out the information providing my Social Security Number and my Drivers license number along with my address and today, I received mail ( at my address ) indicating LexisNexis is unable to process my request. My address is obviously correct as they mailed me the letter. I am using the same Social Security number and driver 's license number that I use with the other credit reporting agencies where I have been able to receive my credit report. 
LexisNexis is using terms which are not clear and do not align with the terminology used by the other credit reporting agencies. This is causing confusion to consumers.
Consumer complaint received 2024-09-23
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. (UT)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX  XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX  : XX/XX/year> These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness.

# # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

- 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute.

- 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports.

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA.

# # # Request for Resolution : I am requesting that the unauthorized inquiries and inaccurate collection accounts listed above be investigated and removed from my credit report. Please confirm the removal and any corrective action taken within 30 days, as required by law. Failure to address this issue may result in further action to enforce my rights under the FCRA.
Consumer complaint received 2024-09-04
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balanced {$830.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced {$1300.00}
Consumer complaint received 2023-05-04
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. (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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-23
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. (UT)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXXXXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. 

# # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

- 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute.

- 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports.

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA.

# # # Request for Resolution : I am requesting that the unauthorized inquiries and inaccurate collection accounts listed above be investigated and removed from my credit report. Please confirm the removal and any corrective action taken within 30 days, as required by law. Failure to address this issue may result in further action to enforce my rights under the FCRA.
Consumer complaint received 2024-09-23
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. (UT)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of XXXX : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX  XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> XXXX. Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. Date of Inquiry : XX/XX/year> These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
These accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. 

# # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

- 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute.

- 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports.

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA.

# # # Request for Resolution : I am requesting that the unauthorized inquiries and inaccurate collection accounts listed above be investigated and removed from my credit report. Please confirm the removal and any corrective action taken within 30 days, as required by law. Failure to address this issue may result in further action to enforce my rights under the FCRA.
Consumer complaint received 2024-09-23
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: Experian Information Solutions 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.

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 XXXX 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 2024-09-23
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. (CA)

I have been i victim of identity theft, i have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX All accounts are associated with this address. I have tried to get these ftaudulent accounts removed from the bureaus, but they just wont do it