davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (AZ)

Dear TransUnion Dispute Department, I am writing to dispute inaccurate information that appears on my Consumer Report. Specifically, I have identified errors related to closed accounts that must be corrected or deleted immediately. The details of these accounts are as follows : 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  Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my Consumer Report and have it corrected or removed if it can not be verified. The information related to the above-referenced accounts is inaccurate and can not be verified. Therefore, I am requesting that these accounts be permanently deleted from my Consumer Report. As part of your obligations under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of my dispute within 30 days of receiving this letter. If the disputed information can not be verified or is found to be inaccurate, you must delete the information from my Consumer Report. Additionally, under 15 U.S.C. 1681g, I request that you provide me with all documentation and information in your files regarding these accounts, including any materials used to verify the accuracy of the information. If TransUnion can not provide such documentation, you are legally obligated to delete these accounts from my Consumer Report. Please confirm in writing the actions you have taken to correct these errors and provide me with a free copy of my updated Consumer Report to verify that the inaccuracies have been removed. Thank you for your prompt attention to this matter. I expect full compliance with the law and a swift resolution. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-23
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

It has been drawn out into the open that you 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. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance XXXX -, XXXXXXXX XXXX XXXX Balance : -, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00}, U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX Original creditor XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX Balance : {$940.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (VA)

I spoke with a Wells Fargo representative ( XXXX ) on XXXX XX/XX/2023. About my debt that appears in my account, I told them if they could print out my statement, since I could do it through their website ( I believe they cancel the option for me to view my statement ) Because, I know that there has been fraudulent activities going through my account. So, they told me they were going to transfer me to another wells faro representative to talk about my account and how to view my statements, but I was deceived by them. I apparently spoke with a debt collector. At first, I thought I was speaking with a Wells Fargo XXXX, but later on found out he was a debt collector. I spoke with XXXX XXXX from XXXX XXXX XXXX. He asked me for my name, address, Phone number. Now that I think about, it could be someone to try to steal my identity. Any response on this matter is greatly appreciated. I would still like to speak with a representative over the phone about this matter. 

They ( WELLS FARGO ) have reached out to me through email, I have attached the file down below. 

Thank you in advance. 

Have a great day.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX- XXXX XXXX inquiry ( Trans union XXXX XXXX XXXX  ( Trans union ) I've never applied or opened a XXXX account . I was in a bad accident 2 months ago, the hospital sent me an email saying their patients information was breached ill attach the email. 
XXXX XXXX  XXXX XXXX XXXX XXXX ) Bank credit card, i never applied for. 
XX/XX/XXXXXXXX  - XXXX  XXXX ( XXXX ) Blank XXXX XXXX XXXX ( XXXX  ) bank credit card. i never applied for XXXX XXXX XXXX ( Trans union )  Bank credit card i never applied for. 
XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX ) Never applied for this credit card. 
XXXX- XXXX ( XXXX  ) bank credit card i nevel applied for. 
XXXX- XXXX XXXX  ( Trans union ) Bank credit card. over 2 year drop off period XXXX- XXXX XXXX XXXX  ( XXXX  ) bank credit card, i never applied for. 
XX/XX/XXXXXXXX  XXXX XXXX ( Trans union , XXXX ) Please take this off my report its over XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX ( Trans union , XXXX XXXX XXXX XXXX these are reporting too all 3 bureaus and account is passed 2 year mark please remove off my report asap.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (AZ)

During the period from XX/XX/XXXXXXXX  to XX/XX/XXXX, I engaged the services of Lexington Law Firm with the aim of improving my credit score and resolving credit-related issues. At the time, I was hopeful that their credit repair services would provide effective solutions and help me achieve my financial goals. 

I committed to a monthly payment of approximately {$120.00}, trusting that it would be a worthwhile investment in my financial future. However, as the months went by, I noticed that no significant improvements were made to my credit, and none of the credit issues were resolved. Despite my efforts to stay informed about the progress, my interactions with their customer support team were often unsatisfactory, as they provided minimal assistance and updates. 

In retrospect, I regretfully admit that my experience with Lexington Law Firm did not meet my expectations. As a result, I feel that I spent hundreds of dollars without receiving the level of service and results that were promised and expected. 

Considering the lack of tangible outcomes, I am seeking a full refund for the period of service from XX/XX/XXXXXXXX  to XX/XX/XXXX, during which I did not receive the credit repair services that I had initially signed up for. I believe a refund is a fair and appropriate resolution to compensate for the services I did not receive.
Consumer complaint received 2023-07-21
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. (MS)

m 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. 

Transunion : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, has violated my rights. 

XXXX : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-23
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. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX I tried for the last year to dispute account that doesnt belong to me, I even called them and paid them the balance of this unknown account, I got very frustrated because this account that doesnt belongs to me was hurting me, and my credit report, .Can you please ask the for proof and to delete this account off my credit report.thanks
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

XXXX XXXX XXXX paid for service and ended service. They tried to charge me for equipment that I received statement of return acknowledgment. Ive proven this and removed it from credit reports once already and they are still ignoring the information provided. When I asked them to provide evidence, they said they cant go back in the system that far and therefore cant show me. Now a collection company called Credence Resource Management is harassing me saying XXXX XXXX XXXX sent them.
Consumer complaint received 2023-10-09
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. (GA)

I have been resolute in my efforts to rectify the presence of these unrelated accounts on my credit report. Despite my repeated attempts to dispute them, these erroneous accounts persist on my credit history. Furthermore, I've proactively lodged several reports with the FTC concerning these accounts, which have no legitimate association with me. 

Regrettably, these companies have chosen to disregard their legal obligation to address these disputes, a requirement mandated by law. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

ALL ACCOUNTS PERMANENTLY LISTED BELOW : NO WRITTEN CONSTENT TO DISCLOSE PRIVATE INFORMATION 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - 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 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from one reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from Transunion that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

on XXXX I transferred from Wells Fargo {$5000.00} from my checking account to my XXXX XXXX XXXX account. Today, XXXX I wanted to transfer another {$5000.00} but Wells Fargo restricted me to a monthly limit of {$6000.00}. I called to ask why and they could not provide an adequate response at the customer service level. My call was escalated and pending a call back but I felt it was important to report this issue. I feel, this is my money and I should not be restricted using online transfer capabilities between my accounts as I see fit for my financial wellbeing. Using other means such as a check or wire or other methods is a waste of time for me since online transfers are fast and efficient.
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

To whom it may concern, From XX/XX/XXXX until XX/XX/XXXX Equifax was reporting an unknown bankruptcy on my Equifax credit file. As of XX/XX/XXXX Equifax was no longer reporting a bankruptcy on credit file do to consumer invalidating Equifax multiple claims to have had verified unknown Bankruptcy with numerous sources ( XXXX, XXXX, US Federal Courts ) bankruptcy was removed on XXXX XX/XX/XXXX bankruptcy was reinstated for reason unknown. On XX/XX/XXXX I contacted Equifax speaking to Bankruptcy Rep XXXX ID # XXXX. She stated on a recorded line that they received this information directly from the XXXX XXXX XXXX I informed XXXX that I contacted the Federal Courts on XX/XX/XXXX and they provided me with a letter stating that they do not report to any credit agencies, nor do they verify or validate any information. the same letter I presented to XXXX where they did their investigation and removed it from their records, because the information couldn't be verified I have also included that letter. I contacted XXXX  and they provided me with a confirmation letter, stating that they do not report verify or validate any information to any consumer credit agencies and these are the sources Equifax has stated verified the unknown Bankruptcy directly to Equifax which is false! FCRA Law states any information being reported on a consumer credit file must be accurate, complete and verifiable. Equifax Rep XXXX ID # XXXX also stated Equifax has no record of Bankruptcy ever being reported before XX/XX/XXXX and Equifax has no record of unknown Bankruptcy ever being deleted. I have also attached documents showing Equifax report history of when unknown Bankruptcy was reporting and when it stoped reporting unknown Bankruptcy and when it started reporting again on XX/XX/XXXX I have also attached a FTC report for Equifax for reinstall an account on credit file that was removed do to not being verified from Equifax sources for Equifax to continue to report unverified Bankruptcy is Identity Theft.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX XXXX XXXX about reporting late payment after account was paid in the amount {$420.00} in XXXX. XXXX XXXX XXXX XXXX still reporting late payment as recent as XXXX. This card was closed and paid off years ago. However XXXX XXXX has been reporting late payments as an closed account. I do not have any late payment because I closed this account out years ago. I dispute this action back in XXXX and in XXXX. No action was taken and they continue to report late payments.