davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my Follow -up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please Remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, DEPTEDXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, DEPT OF EDXXXX XXXX Balance : -, XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX MI XXXX XXXX XXXX Balance : -, Bankruptcy XXXX XXXXdismissed XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXX-dismissed XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXXdischarged XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXX-discharged XXXX Filed on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank and Wells Fargo Dealer Services have committed fraud and stolen several thousands of dollars from me as well as Illegally repossessed a vehicle from me in 2017. I was charged for CPI and CPI interest unknowingly and wrongfully. I was also charged increased interest charges and my monthly payments were miss-appropriated Wells Fargo has also RUINED my credit score I was the victim of fraud and criminal conduct on behalf of Wells Fargo Bank and Wells Fargo Dealer Services and my car illegal repossessed. I was also given no notification on how I could retain my vehicle and it was quickly sold off. 

The amount of money stolen from from CPI and CPI interest as well as other fees and interest charges led to this event. I lost my money, vehicle which led to my credit score being ruined and I lost work as a result of it. The amount of compounding stress this has caused on my life is insurmountable. Losing my vehicle cost me an extreme amount of momentum and opportunity at a very critical time in my life. 


Aside from the mental, emotional and financial losses my personal credit score was ruined and I found myself having a hard time being approved for some apartments down the road, as well as credit products. 

Today, this fraudulent WFDS account is still reporting on my XXXX account and damaging my XXXX score. In fact, so much that I have scores in the XXXX 's and XXXX 's on XXXX and XXXX and yet XXXX 's on XXXX. This unfortunate atrocity has limited my ability to secure business credit at a very critical time in my life being a father to a XXXX XXXX year old boy. 


So much damage has been done in my life as a result of this and its about time this is resolved once and for all There has been a Court order that Wells Fargo Bank make reparations to those they victimized. those in my case are entitled to not less than {$4000.00} but NOT LIMITED TO {$4000.00}. The amount taken from me, cash value and car and residual compounding impact from this event far exceeds that number Wells Fargo has made XXXX attempts to contact me in regards to this matter. I have reached out only to be told someone would get back to me at some distant time in the future.. 


XXXX is XXXX
Consumer complaint received 2020-01-04
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. (OH)

According to my credit reports there is a few inaccuracies regarding my payment history on my account ... These three bureaus are not up to date with payment history and have inaccurate reporting in their system.. 

For account XXXX XXXX/XXXX this account has been current for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

For account XXXX XXXX this account show to missed payments in XX/XX/XXXX/XX/XX/XXXX which are inaccurate..
Consumer complaint received 2024-09-14
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: Experian Information Solutions Inc. (TX)

Im in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. I want this item immediately re-investigated. The inaccuracies are highly detrimental to my credit score XXXX XXXX XXXX  XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

The delinquent payment shown on my credit report ( Month/Year ) was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/ AGREED for the following time period. XXXX XXXX XXXX XX/XX/XXXX Account number XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } IDENTITY THEFT ; using my identity to report inaccurate information FRAUD This account has the wrong balance I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. Lastly, Credit reporting agencies are required by federal law to obtain a consumer 's consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name. Enclosed are copies of ID and proof of mailing address. Sincerely, A COPY OF THIS LETTER WAS ALSO MAILD ON ( XXXX ) TO EQUIFAX XXXX ... ... ... ... ... ... .>>>>A COPY OF METRO-2 REPORT IS ALSO PROVIDED SHOWING ALL INACCURATE INFORMATION THAT IS REPORTING ON THIS ACCOUNT sincerely.
Consumer complaint received 2017-08-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX CFPB : JPMChase ARM Loan XXXX XXXX Accounting violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. Verifiability QC26. Verifiability helps assure users that information faithfully represents the economic phenomena it purports to represent. Verifiability means that different knowledgeable and independent observers could reach consensus, although not necessarily complete agreement, that a particular depiction is a faithful representation. Quantified information need not be a single point estimate to be verifiable. A range of possible amounts and the related probabilities also can be verified. QC27. Verification can be direct or indirect. Direct verification means verifying an amount or other representation through direct observation, for example, by counting cash. Indirect verification means checking the inputs to a model, formula, or other technique and recalculating the outputs using the same methodology. An example is verifying the carrying amount of inventory by checking the inputs ( quantities and costs ) and recalculating the ending inventory using the same cost flow assumption ( for example, using the first-in, first-out method ). QC28. It may not be possible to verify some explanations and forwardlooking financial information until a future period, if at all. To help users decide whether they want to use that information, it normally would be necessary to disclose the underlying assumptions, the methods of compiling the information, and other factors and circumstances that support the information XX/XX/XXXX, JPMChase, through First Class Postage USPS Delivery, sent me a Mortgage Payment Schedule. The Accounting for XX/XX/XXXX lacks any detail, thereby rendering it Unverifiable. That violates Financial Accounting Standards Board ( FASB ) Standards for verifiability. I demand, that JPMChase waive all my mortgage loan re-payments in XX/XX/XXXX and account for all my mortgage payments in XX/XX/XXXX solely as Pre-Payment of Principal without Penalty, as Curtailment. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-08-22
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. (DE)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-13
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: Experian Information Solutions Inc. (CA)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries have severely disrupted my life, leading to considerable XXXX. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear XXXX XXXX XXXX, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, Experian XXXX Bank XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXXXXXX  XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian XXXX XXXX Co XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank XXXX, XXXX The Bank XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged COVID-19 sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Consumer complaint received 2023-08-06
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. (CA)

I recently discovered that XXXX of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2024-09-14
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. (VA)

15 USC 1681 refers to a section of the United States Code related to the Fair Credit Reporting Act ( FCRA ) .Specifically 15 USC 1681 is the title of the ACT that governs how consumer credit information is collected, maintained and used.The FCRA aims to promote accuracy, fairness and privacy of consumer information contained in the file of consumer reporting agencies. EXPERIAN, XXXX AND XXXX INFORMATION BREACHED, FTC REPORT ATTACHED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MULTIPLE ACCOUNTS, XXXX XXXX XXXXT @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXT XXXX NO RESPONSE, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ADDRESS THAT IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORTS. ATTACHED PAPERWORK. DELETE THESE ITEMS OFF MY CREDIT REPORT. NOT VALID INFORMATION HAS BEEN BREACHED MULTIPLE TIMES.
Consumer complaint received 2024-08-22
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. (NC)

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 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 and list of Inquiries. 

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 2024-08-22
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. (GA)

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 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  and list of Inquiries. 

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.