davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed a collection from XXXX XXXX XXXX XXXX in my Transunion credit report because the delinquent XXXX  XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. My credit score is lowered at no fault of my own. The dispute result states that the collection is " accurate and updated '' as of XX/XX/2023. How did Transunion verify the collection without requesting for the signed contract? What law states that the landlord is responsible for the actions of the tenant? Transunion is blindingly taking XXXX word without requesting for hard evidence. Transunion is complicit in this fraud allowing XXXX to use my credit score as a harassment tool to cause undue stress. Furthermore, my tenant has paid off the balance. The attached shows XXXX has cashed her check on XX/XX/2023. I want to upload this new evidence in Transunion 's website, but it looks like that upload option no longer appears on the dispute web page. So after one dispute submission, Transunion has blocked me from submitting a new dispute or follow up on an existing dispute again. FYI, XXXX does allow you to follow up or submit a new dispute.
Consumer complaint received 2023-04-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC (KY)

Credit Control, a collection agency, contacted my place of employment as well as my boyfriend ( who is not involved or listed in the debt whatsoever ) regarding an old debt that is currently being handled by a debt consolidation company. Both of these phone calls to occurred in XX/XX/2023.
Consumer complaint received 2023-03-16
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. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-16
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. (AZ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-14
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)

This is my 9th endeavor 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 records 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 an alleged fraud or extortion. 
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 2023-04-06
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. (TX)

My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts. 

XXXX XXXX  - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX  - Fraudulent account showing on my credit reports
Consumer complaint received 2023-04-06
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. (FL)

I have contacted this company on several occasions on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to update my personal information they assured me it can take up to 30 days to reflect the changes and still NOTHING! I sent them a letter also to correct my addresses twice still nothing which led me here. XXXX is reporting inaccurate information on my credit profile.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (IL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2023-04-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

I am writing to you because I am deeply concerned about my money after the maturity of my certificate of deposit. 

I was expecting to receive a check in the mail from CitiBank per my account that matured in last week of XXXX XXXX ; I never received this check. So, in accordance with Citis policies, I contacted the support lines in hopes of finally receiving my money. After nearly a dozen calls and more than a month of waiting, my issue has still not yet been resolved. At this point, I have no semblance as to the whereabouts of my assets. 

Citis policies and practices have withheld my rightful money for an extended period of time. Their employees on the support line, and their supervisors, and executive response team have failed countless times to empathize with my situation, not given me a clear indication as to when I can expect a resolution, masked the status of my open cases, and have even failed to send me a clear resolution timeline. 

After every call I am left feeling distraught, anxious, and outright disrespected. Please, outline to me what I can do to collect my assets that have wrongfully been withheld from me, because Citis policies and employees have let me down so far. 

Additional Details : Citi support case numbers : XXXX, XXXX Citi executive support case XXXX : XXXX, XXXX Some of the record details from the calls exchanged : XXXX XXXX XXXX PST [ 19 minutes ] XXXX XXXXXXXX XXXX  PST [ 11 minutes ] XX/XX/XXXX XXXXXXXX XXXX  PST [ 8 minutes ] XX/XX/XXXX XXXX XXXX PST [ 2 minutes ] XX/XX/XXXX XXXXXXXX XXXX CET [ 12 minutes ] XX/XX/XXXX XXXX XXXX CET [ 26 minutes ] XX/XX/XXXX XXXXXXXX XXXX  CET [ 51 minutes ] XX/XX/XXXX XXXX XXXX CET [ 28 minutes ] XX/XX/XXXX XXXXXXXX XXXX PST [ 17 minutes ] XX/XX/XXXX XXXX XXXX PST [ 35 minutes ] XX/XX/XXXX XXXX XXXX PST [ 15 minutes ] XX/XX/XXXX XXXX XXXX PST [ 7 minutes ] XX/XX/XXXX XXXX XXXX  PST [ 20 minutes ] XX/XX/XXXX XXXXXXXX XXXX PST [ 2 minutes ] Other communication channels : XXXX chat Chat using Citi portal
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/21 Balance {$3000.00}
Consumer complaint received 2023-03-05
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: WELLS FARGO & COMPANY (TX)

I am tired of WELLS FARGO beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with WELLSFARGO since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from WELLS FARGO claiming that an auto vehicle belongs to me. Paper work documents sent to me from WELL FARGO was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including WELLS FARGO DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have XXXX auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and WELLS FARGO keeps choosing to look the other way and not help me. I was told by an XXXX Fraud Specialist that I should take WELLS FARGO to court. I do not have the money, time, or energy for that to take place. I have 2 XXXX parents both with XXXX that I can't even afford to put into home health care. WELLS FARGO opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and WELLS FARGO wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including WELLSFARGO DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. WELLSFARGO & CO. is holding me back from living life, liberty and pursuit of happiness.
Consumer complaint received 2023-04-06
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. (NY)

My identity was stolen. Now I have multiple accounts on my credit report that keep my score down I have reached out multiple times to have the issue resolved and the 3 credit bureaus have a hard time correcting/ fixing this issue. This is unethical as I have filed a police report and followed all protocols to try to resolve the issue. However, the credit bureaus choose not to clear this matter up. 

Listed below are the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (FL)

I'm trying to apply for medical emergency loan for a close family member from my credit union however when they try to pull my Equifax report they are getting that there is a freeze on my report. However I've called Equifax numerous times and was told each time there is no freeze or extended fraud alert. I was even told by Equifax to fax a copy of my driver 's license and social security card to resolve the issue. This has been going on for approximately a month and I keep getting the run around. This is what is reporting on my Equifax Report : Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXXXXXX XXXX Credit File Status : Fraud Victim ( associated with trade ) File Blocked For Promotional Purposes. 
No one at Equifax can give me an explanation of what this means. The representative at my credit union is stating that on her end is showing as a block/credit freeze.
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (MS)

I paid over 72 % of my car loan with XXXX XXXX XXXX and due to XXXX I got behind on my car payments. I discuss this with the auto loan finance company, but they refuse to help lower my payments or work with. I was never late on my car payments for two years. The car loan was {$10000.00} and I only owed {$2600.00} at the time of repossession of XX/XX/2022. After repossession, I owed {$2900.00}. The vehicle was sold and now they saying I still owe them {$620.00}. It is still reporting on my credit report that I owe {$2900.00}.
Consumer complaint received 2023-04-06
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. (SD)

between XX/XX/2018 and today XXXX XXXX has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.
Consumer complaint received 2023-04-06
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. (TX)

see attached I have been contacting these companies since XXXX of 2022, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received unauthorized hard inquiries on my credit report here are the following inquiries that was made XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-04-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

This dealership has violated my rights as a consumer! Not only they ran my credit 10 times, but they also got me to get Gap Ins which was for nothing ( XXXX XXXX XXXX the finance manager ), told me if anything is wrong with the vehicle to bring it into any dealership to get service & that it is a part of the vehicle purchase for the vehicle to be maintained free of charge & I can take the vehicle to any XXXX dealership & will be service for free, I Informed him I was moving to XXXX when I got to XXXX & called the same Dealership they informed me That I had no coverage that I would have to pay out of pocket to get the car service, He didnt explain the finance part to me section 15 U.S. Code 1605 - Determination of finance charge which states Insurance was supposed to be included in the vehicle purchase, Instead Got me to purchase Gap Ins XXXX Every time I would call to speak to XXXX XXXX XXXX leave a message I would not get a callback, In fact, I was being fwd to other reps @ the dealership for help which wasnt much & those people their phones are disconnected it's like only family & friends work @ that dealership, I got way overpriced also the advertisement was a fraud no cash was supposed to be taking @ all & this was before even signing the contract another violation!! The price they were advertising the car online that is not what the sales guy ( XXXX XXXX XXXX ) told me he made it seem as if he was taking away {$2000.00} on top of the vehicle price & giving me a deal when really he was ripping me off. I would like a Rescission & for everything I've paid for the car & monthly pmts and pain and suffering, Revoked my signature on all contracts for XXXX XXXX XXXX to repair my credit they destroyed I want everything tangible, and they also did not pay off my lien to the other vehicle company XXXX XXXX that I traded in my Vehicle within 10 days thats another violation, having my credit impacted more causing XXXX XXXX to report my account to the credit bureaus!! I want justice with this Dealership. This company has caused me stress because they ruined my credit scorXXXX, Wellls Fargo Auto Finance did not do anything they stated that they do not have the physical contract & that they will follow up I never heard from them until today XX/XX/2023 I want the truth of Affidavit, Cancel my contract!!!!
Consumer complaint received 2023-04-02
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. (SC)

In accordance The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information.

Once again my rights are being violated and illegal practices is taking place.

I have not given Any company written or verbal consent to do so.