davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-09-24
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. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The following is reporting inaccurately to my credit. XXXX XXXXXXXX XXXX Account number XXXX is reporting an account which is NOT ME XXXX NOT MY LEGAL NAME. They are damaging my credit. My name is " XXXX XXXX '' NOT XXXX XXXX ... the account is tied to someone else with a similar name XXXX address. They're also pulling my credit without permissible purpose. They are in strict violation of FCRA regulations. The credit reporting agencies claim this is verified. Not sure how they verified the info since it's not my legal name. I need the following account and all inquiries associated with this company removed from my credit.
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. (VA)

XX/XX/year> XXXX priority XXXX ran a credit check and had an outdated score. The dealership ran my credit XXXX times I can not get my loans or credit because of this deliberate act to attack a consumer. The dealership has refused to do anything about this neither XXXX XXXX TransUnion... I do demand immediate removal of all hard inquiry or I will seek federal court for usc violation such as. Title XXXX title XXXX title XXXX. This has caused immediate harm to me and damages shall be recoup in XXXX to XXXX business days or I will seek out each CEO and and file a commercial lien against all assets. As well as federal charges
Consumer complaint received 2024-09-21
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. (AR)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2022-05-04
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. (FL)

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 XXXXXXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dept of Ed/XXXX  XXXX ( 17 accounts ) 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report contain any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish my consumer report without my written consent.

15 USC 1681s-2 ( a ) ( 1 ) ) states 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.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-05-04
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. (CA)

This is my 7th attempt to get this matter solved but I guess my request is just being ignored.The current status and the late payments in the payment history is incorrect. I never misseda payment. The XXXX Credit Bureaus should provide documentation but they failed to neither verify norupdate me about these complaints. I believe the bureaus are violating sections 616 & 617 ofthe FCRA and has abrogated my rights by reporting false information. Please update the late payments from these accounts for it has affected my well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX Equifax XXXX i sent police report and ftc reports many times but got refused and error. saying the police report was not honored and that the blocking or the removal of debt was not accurate. I was denied my right to privacy contacted all 3 company about the information that was reported on my credit report with out my knowledge I also let the companies know that I was a victim and I need assistance on my behalf XXXX has a policy where I had purchased insurance from there conpany saying if I was a victim I will get help up to a XXXX XXXX  which never happened and they refused the matter,. I also try to upload documents which they said they didnt received but I know I uploaded documents on each matter with the cfpb they said they didnt receive any information from cfpb complaint.This matter has case me XXXX  XXXX  issues denied loans and etc. I need help with this matter I took legal actions and they still not honoring the ftc reports and police reports I also reach out to actual companies they sent deletion letters and XXXX and XXXX and equifax still not honoring, breaking all my laws to uphold debt in my name illegally. XXXX XXXX XXXX  XXXX {$60000.00} XXXXXXXX XXXX XXXX but they have it at a diffrent amount showed on the reports. see attachments.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For the last XXXX years i have been disputing with XXXX XXXX  XXXX XXXX ) about their reporting of late payments and multiple charge offs for XXXX account that they claim has a {$4800.00} balance. On XX/XX/year>, I sent them a cease and desist but they continue to report negative and inaccurate information. Furthermore, XXXX XXXX  has insurance on all its accounts up to {$250000.00}. Upon information and belief, the FDIC insurance has been applied to my account but i have not experienced the benefits of it. 

When i requested an accounting of the account, XXXX XXXX  sent me statements, which was not what i requested. i returned those statements to the sender. 

As a result of this XXXX year long battle, i have lost personal and business credit opportunities. i have been harmed terribly by the inaccurate information that XXXX is reporting to the XXXX consumer reporting agencies ( and probably several other CRAs ).
Consumer complaint received 2024-09-21
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 recently discovered several fraudulent accounts and inquiries on my TransUnion credit report that were opened without my authorization. These accounts and inquiries were the result of identity theft. After realizing this, I filed an identity theft report and began disputing the fraudulent activities. 

The fraudulent accounts include credit cards and bank accounts opened between XXXX and XXXX, with balances totaling several thousand dollars. Additionally, there were unauthorized inquiries made in XXXX and XXXX. These items are negatively impacting my credit, and I am demanding their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ]. 

I have taken all necessary steps, including filing a report with the FTC and notifying the credit reporting agencies. I expect TransUnion to comply with the FCRA and delete these fraudulent items from my credit report without delay.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

There is an error of a Mortgage account reported on the credit report belonging to XXXX XXXX XX/XX/XXXX. We have recently filed a lawsuit and this account needs to be removed while litigation is pending and the matter resolved. This debt is not valid. 

I dispute this debt, I dispute all claims of contract 15 USC 1692g.
Consumer complaint received 2024-09-21
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. (VA)

XXXX has insisted for over a year that I owe them for a router that I returned them. They refuse to explain why. They have ignored multiple requests to fix their error but arrogantly refuse to even explain themselves. My credit rating went from " very good '' to just " fair ''.
Consumer complaint received 2024-09-21
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 XXXX 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX reported the account as being opened on XX/XX/XXXX to TransUnion and XXXX. 

XXXX XXXX XXXX failed to report payment history for XXXX of XXXX. XXXX XXXX XXXX has the following inaccurate credit reporting which has violated my constitutional rights and Federal Law under 15 USC and designated sub categories. 

XXXX XXXX XXXX reported to Transunion in XXXX of XXXX that the account was 30 days late. In XXXXXXXX XXXX XXXX the account was deemed to be 60 days late by XXXX XXXX XXXX. 

XXXX XXXX XXXX reported to XXXX in XXXXXXXX XXXX XXXX that the account was 30 days late as of XXXX XXXX 60 days. 

Under 15 U.S. Code as with the designated sub sections Creditors and Lenders are legally required to maintain the integrity of the credit report by reporting information with 100 % accuracy to the credit bureaus. XXXX XXXX XXXX has violated Federal Law and my civil rights by failing to properly report credit payment reporting history to the Credit Bureaus. 

15 U.S.C. Sec. 1681e ( b ) - Disputes were submitted to XXXX XXXX XXXXXXXX and they failed to properly respond or correct any information within a reasonable timeframe under US Law. XXXX XXXX XXXX violated US Law again by failing to properly investigate and provide me with a signed consumer contract and accurate credit reporting.

Due to the inaccurate reporting to the credit bureaus, it has affected my ability to get credit and has violated my consumer and constitutional rights of the United States. XXXX XXXX XXXXXXXX was notified and made aware of the disputes multiple times and failed to act within a reasonable timeframe.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act XXXX account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX  XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2019-11-25
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. (IL)

XXXX XXXX XXXX was recently added to my credit report and I do not have any account or any connection with this account to owe a balance. This is a fraudulent account that is being reported on my credit report as it is giving deliquent marks and not my account.
Consumer complaint received 2023-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (FL)

NOTICE TO CEO & CFO OF NETCREDIT LOAN SERVICES LLC CRIMINAL INVESTIGATION Please take notice that this is a criminal investigation of the business practices of the above named, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. NETCREDIT CEO & CFO claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, Sec, 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names THIS IS A WARMING TO NETCREDIT CEO AND CFO TO STOP YOUR ILLEGAL, EXTORTION AND RACKETERRING ACTIVITIES IMMEDIATELY OR FACE CRIMINAL CHARGES UNDER FEDERAL LAW. I DEMAND YOU TO COMPLY OR FACE LEGAL ACTIONS. 

NOTICE I am requesting an updated copy of my credit report.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor to TransUnion and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor. XXXX removed the XXXX XXXX XXXX erroneous and inaccurate Collection account. 

I hereby further dispute Resurgent Receivables LLC pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX  XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (MI)

XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-09-21
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. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( 1.XXXX  accounts # XXXX opened XX/XX/XXXX 2.XXXX account # XXXX opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX ) In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo assumed my loan and broke the original contract we had with XXXX. They opened an escrow account when we had an escrow waiver. They paid taxes that were not due or delinquent even though we provided them with documentation that they were not due or delinquent. They raised the mortgage payment from {$2000.00} to {$3000.00} to cover XXXX  and XXXX  taxes and subsequent taxes thereafter. They created the hardship that destroyed the relationship with my co-borrower leaving me to defend myself against foreclosure for fifteen years. I did everything they told me to do for seven years to get a modification. When I found out the taxes weren't due until XXXX of XXXX, I hired a lawyer and he strung me along for eight more years only to get me into another contract again with the threat of foreclosure. Now, I owe way more than the original principal balance when Wells Fargo broke my contract, and my payment is so high, I have to get a second and third job. I've been XXXX for 34 years, and planned to retire by now. Now, I have to work seven more years.