davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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. (TX)

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 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 has violated my rights . 

I looked at my TRANSUNION credit report on XX/XX/ XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-09
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. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On or about XX/XX/2011 Wells Fargo XXXX XXXX in XXXX, California paid forged, Fraudulent checks equal to the sum of {$460000.00} to total strangers from an elder account holder. 
Furthermore, Wells Fargo has acknowledged and produced a document with instructions to contact the account owner in the event any checks were presented for payment above the average amount. 

Here are the forged check amounts signed by strangers, approved & paid by Wells Fargo Bank : {$96000.00} {$94000.00} {$88000.00} {$93000.00} {$91000.00} Account owner has spent $ XXXX in legal fees in efforts of recovering damages with no success. 
We feel Wells Fargo should be held responsible for damages since fraud was committed by one of its employees according to a signed statement dated XX/XX/2011 signed by XXXX XXXX, CFE Vice President and Investigator of Wells Fargo Bank For inquiries please contact : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/2016 Midland Funding added a derogatory mark for {$810.00} on my XXXX, XXXX, XXXX  credit reports. Upon further research, this account was trasferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there were NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA ( MIDLAND FUNDING LLC ) Has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-09-09
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-09
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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. (NY)

I am submitting to formally dispute the following inaccurate information that appears on my credit report. These items are incorrect, and I request their immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within 30 days. 
XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX  XXXX  XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-09-09
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. (TX)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-09
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. (NY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX
Consumer complaint received 2024-09-09
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. (NY)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX,, XXXX XXXX XXXX : {$290.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

XX/XX/XXXX. We paid off our mortgage with Rushmore Loan Management Services , LLC on XX/XX/XXXX. The payoff amount for the loan was {$4500.00} according to Rushmore 's documentation ; however, as of this writing we have only received a check for {$950.00} dated XX/XX/XXXX. The discrepancy appears to be ( mainly ) related to property taxes. Our XXXX taxes were paid off by our new lender on XX/XX/XXXX. Then, Rushmore sent XXXX taxes to our county on XX/XX/XXXX, three weeks after the loan was closed. The county claims that the excessive taxes would have been returned immediately. I have contacted the tax department at Rushmore several times without any success. Each time I am told that I can expect resolution in approximately three weeks and that I can not speak with a supervisor/manager. It has now been three months since the loan closed and Rushmore hasn't made any attempt to return our {$3600.00} or give me an update on the status of our inquiries. Thank you kindly for your assistance.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IL)

We received from Chase Bank a new Debit Card. When I looked at the information they sent it showed a checking number as well. It was oped in my wife 's name, XXXX XXXX. We called Chase Bank to inquire who opened the account and they could not tell us. We talked to their fraud department they closed the account and placed a fraud alert on the account. We then went to our XXXX XXXX, Illinois police department to to file a police report. We then notified XXXX ( we have accounts with them XXXX. Then we called the XXXX to report it to the credit reporting companies. 

Today we received another debit card from XXXX. We called them to inquire on who opened the account. All they did was verify the account had been established. We explained to them that we did not open the account. Again the account was opened in XXXX XXXX name. The bank closed the account since she did not open it. They instructed us to contact the FTC.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

During the pandemic my son who is the main person in the loan contacted the loan company and asked for a forbearance due to the covid 19 situation. A cording with the federal Government students couldn't excuse for 3 months without been report to the credit bureau. After My son called to the loan company XXXX XXXX the reported my son and myself for late payment for 90 days, violating federal rules. I called XXXX XXXX and their representative stated to me numerous times that they are private lender and they don't have to follow federal regulation. That whatever federal government said doesn't apply to them. 

This is my second complaint and the first one someone from XXXX XXXX called me and stated that they will take care the issue, however, that was a lies. I spoke with a representative on XX/XX/2021 and he stated that they are private lander and the federal regulation doesn't apply to XXXX XXXX. 

My son is making payment on these loan and they have don't care about poor students, XXXX XXXX use dirty practice and customer service are very rude. 

I want them to remove my name from my son 's loan since he is working and able to make payment. We submitted the cosigned removal report to XXXX XXXX and the rejected our request. 

I want XXXX XXXX to remove our name from Credit bureau because its affecting our credit report without any reason. 

I want federal government to open an investigation on XXXX XXXX regarding student loan because they using dirty practice to collect money from poor people that cant afford to pay now and for not follow federal guidelines. 

The student loan # XXXX and XXXX.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I had to file personal bankruptcy to stop XXXX XXXX from taking my house from me. When I did that, another company Shell Point Mortgage, whom I believe is involved closely with XXXX XXXX, came after me again even though I am in bankruptcy. Why would a mortgage company buy a mortgage where the balance owed was less than XXXX XXXX dollars with no default payments? I have called them multiple times, on hold for hours only to be disconnected. They do not send me any bills, they do not send me invoices to pay. They are trying to steal my house from me. I WANT to pay. I am ABLE to pay. I am TRYING to pay but they do not want my money. They have only sent me one invoice to pay and never have sent one after, I make copies of the old invoice and still pay monthly. They claim they can not talk to me because of the bankruptcy and that I must communicate through my lawyers, I have had my lawyers send them MULTIPLE letters stating that they can speak with me, and the bankruptcy board, still no communication.
Consumer complaint received 2021-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have tryin to clear up some incorrect items on my credit report. For some reason I can not get he credit bureaus to answer my disputes and send me that out come of their findings. I do not understand why they arent working .They are reporting late payments which i have never been late on anything in my life. I filed disputes and on all the incorrect items and i have attached those disputes so you can see what I am disputing.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (MS)

IN XXXX XX/XX/2020 I RECEIVED BILL STATMENT FROM RASH CURTIS ASSOCIATES, THE LETTER SHOW I AM IN XXXX XXXX XXXX SERVICES TREATED PET FOR {$270.00}. AT SAME DAY I CALLED THE RASH CURTIS ASSOCIATES I TOLD THIS COMPANY I NEVER FEED A PET AND I NEVER GO TO XXXX XXXX XXXX XXXX TREAT A PET. I REALIZED THAT SOMEONE WAS USING MY NAME TO MAKE EXPENSE SO I IMMEDIATELY GO TO MY LIVE CITY POLICE DEPARTMENT TO REPORT THIS ISSUE, THE XXXX GAVE TO ME REPORT CASE NUMBER, THEN SAME DAY I SENT IT TO RASH CURTIS ASSOCIATES AND EXPLAIN THAT. XXXX XX/XX/2020 I RECEIVED LETTER FROM RASH CURTIS ASSOCIATES AGAIN, THIS COMPANY STILL LET ME PAY THAT BILL STATMENT, I NEVER EXPENSE AND I NEVER USE THAT SERVICE SO I DO NOT PAY IT, ALSO THE LETTER SHOW 'S PHONE NUMBER IS NOT FOR ME I NEVER USE THAT NUMBER. IT WAS NOT LONG I SAW IT ON MY CREDIT REPORT SHOW THIS IS FOR ADVERSE ACCOUNT, PLESE SEE ATTACHED I WILL UPLOAD ALL INFORMATION IN THERE, I HOPE THAT CAN HELP YOU REVIEW MY CASE, THANKS IN ADVANCE!
Consumer complaint received 2021-03-08
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. (PA)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Consumer complaint received 2021-03-08
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. (MA)

These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the XXXX of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. XXXX XXXX.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I contacted Comenity bank via a dispute through the credit bureaus in XX/XX/XXXX to alert them of the fact that I had my identity stolen while I was in XXXX  and have been unable to open credit accounts in my name which is a stipulation of my release from federal XXXX. They did nothing but determined that I was responsible for those accounts. I followed that up with more information which was a police report, an identity theft affidavit from the FTC and all identifying information along with a letter requesting to have the accounts reinvestagated. I spoke to XXXXXXXX XXXX account protection case investigations representative on XX/XX/XXXX and she advised me that even though they recieved the documents mentioned above they have still determined that I am responsible for the accounts. Even after I explaind that I was in XXXX for 3 years followed by a XXXX XXXX  for a year and XXXX for 5 years after the fact. I can't open any new lines of credit without prior consent from the United States Federal XXXX department. They refuse to remove and stop reporting this fraudulent information from my credit reports. I want this fraudulent negative information removed from my reports. 
Comenity bank is a horrible bank. 
The store cards in question are for wayfair and XXXX.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Full Name : XXXX XXXX XXXX Home Address : XXXXXXXX XXXX XXXX XXXXXXXX TN XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Reappeared ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX  '' After Contacting Creditor Directly And Them Validating The Personal Information With Me. So I Uploaded A Picture Of My Government Issued ID And Mailing Piece That's Attached For Current Correct Address Including IDTheftReport From XX/XX/XXXX And Requesting Updated Corrected Consumer Statement As It Appears On My XXXX  Credit Report : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC. Consumer Statement : OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX