davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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. (GA)

I am disputing the presence of unauthorized credit inquiries on my credit report. Several inquiries were made in violation pursuant to Permissible Puruse 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and without my consent or knowledge, which is a violation of my privacy rights and may negatively impact my creditworthiness.

I have not provided authorization for any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. These inquiries were made without a permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and under section 604 of the Fair Credit Reporting Act ( FCRA ). 

I request an immediate investigation into these unauthorized inquiries and their removal from my credit report. Kindly update my credit report accordingly and provide me with an updated copy once the necessary modifications have been made. 

The unauthorized credit inquiries 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 XXXX XXXX XXXX XXXX I expect a prompt resolution to this matter in compliance with the FCRA, which stipulates a response within 30 days from the receipt of this letter. 

If you require any further information or documentation from me to facilitate the investigation, please contact me at the phone number or email address provided above. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the necessary diligence and professionalism.
Consumer complaint received 2024-09-24
Product: Credit reporting 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. (TX)

By 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THESE ARE GIVING ME STRESS THESE ARE NOT CORRECT I WAS NEVER LATE IN TERMS OF PAYMENT IN THESE ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$580.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

By : XXXX XXXX I contacted Experian Customer Service to let them know that I only know by XXXX XXXX or XXXX XXXX, I never know by this name XXXX XXXX or XXXX XXXX or XXXX XXXX and the addresses they have for my are not my curent address XXXX XXXX XXXX XXXX XXXX XXXX, I never live there XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX foor phone number I do not have a number for them to put in my report they would revome all phone number they have for me that I don't even recognized. 
XXXX XXXX XXXX I would like to Experian that call they self credit bureau to remove all this in my report all I want for my address is XXXX XXXX XXXX XXXX XXXX XXXX By : XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I couldnt believe it when I saw inaccurate accounts on my credit report this morning. It made no sense, especially since I review my report regularly. This time, there were sudden discrepancies, and even after refreshing my browser, the accounts didn't disappear. I need the documents Ive provided to be thoroughly checked, so I never have to experience this frustration again.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This deceptive, incorrect, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$380.00}. XXXX. XX/XX/XXXX XXXX XXXX. {$4300.00}. XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX {$7300.00} These accounts have resulted in multiple fake collections showing on my consumer XXXX credit record. I've attached a list of the ACCOUNTS/ADDRESSES in concern as well as a copy of the consumer XXXX credit report maintained by you which indicates the aforementioned false things. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections shown on my consumer credit record maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the consequence of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as documentation from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the product of identity theft and fraud.
Consumer complaint received 2024-07-26
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS (FL)

To Whom It May Concern : When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX If the above has not been completed, please Delete these accounts from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law.

I have filed an FTC Report and police report
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2024-08-22
Product: Credit 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 (PA)

On XXXX XXXX XXXX a charge for {$82.00} appeared on my credit card account. As I noticed the charge I called the bank to put a fraudulent charge complaint. The bank proceeded to block the credit card and issue a new one with a different number. Then they transferred the amount of the fraudulent charge to the new credit card as " remaining balance ''. 

The bank claims that any " interest and fees will be refunded IF the claim is accepted '', which leaves me in a position where I am completely dependent on the banks will. If they were to not accept the claim for whatever reason, they will be charging me for interest and fees. So, my only option is to pay for the fraudulent charge and hope they return my money eventually. 

A month has passed and they have not given me any response. The due date for the payment came and I had no choice but to pay the balance to not being charged any late fees, interest and my credit score affected. 

This is absolutely unfair since it puts all the burden on me, while it is the banks security that was compromised. They are the ones responsible for preventing fraud.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I got paid XX/XX/XXXX but they froze my account then I reached out then they closed my account and they've been holding my funds ever since I sent identity verification photos they got a pic of my id and a pic of me holding it. I've been hearing stories of them closing accounts and taking people money I got exactly XXXX but I'm an XXXX I got medication to buy and bills to pay I've already told them but they trying to make me wait 180 days for a response I don't have 180 days without my medicine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account XXXX : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account XXXX : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 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 2024-10-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NJ)

To Whom It May Concern, I am writing to formally dispute a collection account reported by Receivable Management Services on XX/XX/year>, for the amount of {$510.00}. This charge is associated with my auto insurance policy from XXXX. 

To better understand this charge, I request a detailed account ledger that includes all charges and payments made, along with a breakdown of any additional fees assessed. Given that my vehicle was repossessed, I want to ensure that this charge accurately reflects my obligations under the policy. 

I am particularly concerned about any extra fees, as they appear inconsistent with my original policy amount. 

I appreciate your prompt attention to this matter and look forward to your response, which I hope will clarify these charges and help resolve the issue. 

Thank you for your cooperation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX sold my loans to aidvantage. I received an email stating that they would be going to aidvantage and nothing would change about my loans. Then when the company aidvantage received my loans they suddenly reported that I had missed payments with them and the only reason I found out is because my credit score dropped over XXXX points. I am in forbearance and do not graduate until XX/XX/year>. When I spoke to the first representative at aidvantage she told me that it doesnt matter if I am in forbearance that they are reporting that I am not paying the interest on my loans. I have never even prior to XXXX was informed I was suppose to do so and have never paid interest on my loans nor has my credit score ever been affected. She would not help me further and told me every month it would decrease my credit score. I contacted XXXX XXXXXXXX XXXX in XXXX, IA where I received my XXXX degree to make sure they reported everything correctly. They told me it showed I was in forbearance. I contacted the financial aid department at XXXX XXXX XXXX in XXXX, IA which I currently attend and they told me everything was reported by all schools that I am enrolled full time and everything should be in forbearance and it should not be showing anything on my credit score as I do not owe anything at this time. I kept calling advantage and they told me they could make a note and they couldnt do anything else. I spoke to a few classmates who took out the same loans and are in forbearance none of them have ever had anything reported while in school on credit reports and have never paid interest. I contacted transunion and XXXX and disputed all loans. I have not received any information and my credit score still shows the XXXX plus point loss from the report from aidvantage.
Consumer complaint received 2024-09-24
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)

My consumer report contains accounts linked to identity theft that I never authorized with a written signature. I've previously contacted your organization about this issue and now formally request these accounts be promptly blocked and removed from my report. Their presence has caused me significant distress and inaccurately portrays my credit history and obligations. If not properly addressed, I may need to pursue legal action to protect my rights. These fraudulent entries have impeded important financial goals, including home ownership and providing for my family.
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (ID)

-- XX/XX/year> Request payoff amount from Wells Fargo for Mortgage. Amount is {$4600.00}. Wrote check that day and mailed to Wells Fargo. 
-- XX/XX/year>. Receive email letter from Wells Fargo stating payoff process and amount good till XX/XX/year>. 
-- XX/XX/year> Wells Fargo cashed check for payoff of {$4600.00}. 
-- XX/XX/year> Receive email notice that late charge will be applied to loan if payment not received by XX/XX/XXXX. I called Wells Fargo. Discovered that payoff was mis-applied to escrow instead of payoff. Establish case # XXXX to reapply funds to payoff-not escrow. 
-- XX/XX/year> Called Wells Fargo. Payoff was reprocessed. Will start 30-60 day process for escrow refund and release of lien letter to XXXX XXXX XXXX XXXX. 
-- XX/XX/year> I called Wells Fargo. No late fee will be assessed. Will refund escrow in 30 days. Asked for refund now. Pay off was actually made 40 days ago. 
-- XX/XX/year> I Called Wells Fargo. Escrow will be processed business as usual. Escrow refund processed in 30 days of XX/XX/XXXX. Reminded Wells Fargo that today is XXXX  days since payoff. Establish XXXX case # XXXX to escalate processing date and refund escrow by overnight XXXX XXXX. Stated to Wells Fargo agent, all phone calls have been polite, but that the Financial Institution 's process to resolve errors is flawed with " Business as usual approach '' to errors and that humans are not allowed to resolve issues. I am still waiting for release of lien letter and refund of escrow. 
XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Management Holdings, LLC (SC)

I'm not liable for this debt. i do not have contract with XXXX XXXXXXXX XXXX they did not provide me with original contract with original creditor and proof of debt assignment and proof of assigned purchase this debt as i requested, Correction to my credit report, I demand this account be removed from credit report.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (TX)

Subject : Request for Removal of Inaccurate Charge-Off Under FCRA Section 1681e ( b ) Dear Sir or Madam, I am writing to formally dispute the inaccurate information that appears on my credit report. Specifically, I am disputing the following account : Creditor Name : DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charge-off is being reported inaccurately and is negatively impacting my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported on a consumer 's credit report. 

Based on the inaccuracy of this account and the potential failure to meet the FCRA 's accuracy standards,