davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX to XXXX XXXX someone is using my SSN and name to open credit accounts. My identity has been compromised. I was XXXX for a credit card and was denied because of the low credit rating that came back. I later researched and requested a copy of my credit report. The report shows that i had a account that was in collections for nonpayment, The utility company was XXXX XXXX. The company does not service XXXX Texas, where I have lived for a long time. XXXX XXXX XXXX sent a report to a collection agency. XXXX XXXX and collection company were contacted in writing by me. The utilities company was informed that the delinquent utility bill in question was not mine. I do not live or have lived in XXXX part of Texas. I have placed a dispute with the Credit Bureau and the XXXX company. The XXXX company is awaiting a copy of the Identity theft report so that they can take the charge in hand off my credit report.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

I am a victim of unfair debt collection practices. The company I.C. SYSTEM, INC. is knowingly furnishing false and misleading account information in my name to XXXX XXXX, XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NJ)

I looked on my credit report and noticed I have a BEST BUY account on my credit report that doesnt belong to me and I never lived at the address listed. A charge off is considered income from the IRS which means I should of received 1099-C and according to 15 USC 1681 2a ( I ) no transactions or experiences is allowed to be on credit consumer report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (CA)

The companies response is a clear example of them not doing enough research or validation. Near the end they state " No one has ever been arrested for the crime even though I state its fraudulent " If they reviewed the police report I sent in previous contacts via email/USPS mail , AND the FTC report , if they actually conducted and investigation and contacted all parties, which they NEVER did. Not once did they contact the reporting police department to speak to the reporting officer to see what happened. Other companies did but not you guys? Oddly suspicious. 
It CLEARLY states in the police report, the finalized one that there is a warrant for his arrest. I know its hard to comprehend and understand, but usually there wont be an arrest when the person is on the run from the police. So. Once again, if you clearly did your research, youd know that there is an active case with an active warrant. But you guys dont look at supporting evidence did you? 
Then you state " that doesnt mean its not fraudulent just because they get no benefit ", but yet you dont state the supporting documents that I've submitted that prove its fraud. If you get out your desk chair and get to a phone and do actual research then maybe you guys wouldnt have wrote such an idiotic response that made no sense. 
It proves you didnt look at my supporting documents nor did you conduct adequte research. 
Everything you have said has been hearsay. Once again you mention its my personal email address. How do you know its my personal email? How do you know its not fraudulent? What led you to that conclusion? With absolutely no proof? So because the payments havent been disputed with a company that means its not fraudulent? Have you contacted the issuing bank to see who is the account owner for whoever made those payments? You didnt. 
Or that means like you said " It could be fraudulent " but you really dont know if it is or not. AND I think thats the funny part you guys have no real validation and this letter actually proves it so thank you for admitting you think it could be fraud with the proof you have, thats all I needed! And thank you for verifying you didnt read the police report / ftc report otherwise you'd know there was an active case and that IS mentioned. Once again, proves you didnt do adequte research. Shut case. Ill be showing this to the credit lawyer I have an appointment with also so thank you and have a good day!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-02
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. (FL)

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  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I opened the account in XXXX. A secured Credit card for {$300.00}. In XXXX a bill came of {$18000.00} on a {$300.00} secured card from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX charged a {$300.00} secured card {$18000.00} with a balance of less than XXXX dollars still on a secured card that was only {$300.00}. They made me add money to my secured card for the balance. Upon me looking at my statement I contacted them several times XXXX and XXXX about the ballooned balance of {$18000.00} and they told me several times the issue would be rectified and resolved. Upon me applying for the secured credit, they told me I would never be able to go over the limit if {$300.00}. Thats how secured credit works. Its XXXX, the issue is still not resoved after multiple attempt to have it removed from credit report. 
An according to USC1681 ( e ) ( b ) they are suppose to do this ( 15 ) Treatment inaccurate or unbelievable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) if any information disputed by consumer, an item of the information is found to be inaccurate or accurate must be updated or removed.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Formal Request for Immediate Validation or Removal of Disputed Account XXXX Funding ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) I am writing to formally dispute and demand immediate validation of the XXXX Funding account ( Original Creditor : XXXX XXXX XXXX XXXX  ) listed on my credit report. The account details are as follows : Account Number : XXXX Account Type : Collection Balance : {$XXXX} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Account Status : Derogatory/Collection/Chargeoff I dispute the validity of this account as it does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to ensure the accuracy of all information reported. Therefore, I am requesting that you validate this account or remove it from my credit report. Specifically, I demand : Original documentation proving that I authorized the opening of this account. 
Records showing any payments or transactions made under this account. 
XXXX from the original creditor, XXXX XXXXXXXX XXXX XXXXXXXX, that I am responsible for this debt. 
The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g also requires that any collection agency must provide validation of a debt when requested. Reporting inaccurate or unverified information constitutes a violation of both the FDCPA and FCRA.

Furthermore, 15 U.S.C. 1681s-2 ( b ) mandates that the credit bureau must cease reporting disputed accounts until they have been properly verified. If you are unable to validate this account with supporting documents, I request its immediate removal from my credit report.

Please confirm your investigation within the legally required 30-day timeframe as outlined by the FCRA. If this account is not validated or removed promptly, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies as necessary. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-18
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 (SC)

My name is XXXX XXXX Soc Sec # XXXX. 

The account is with Wells Fargo Auto Loan account # XXXX amount {$17000.00} with the monthly payment amount of {$350.00}. This account belong to my XXXX XXXX I co -signed for my XXXX XXXX to get a car previously with Wells Fargo . that  car was totaled lose, and that loan was paid off. 

My sister went back to get new car form that same dealer ship ... that financed that car with Wells Fargo ( this below info ) I did NOT sign any documentation for the new car my XXXX XXXX obtained the above loan on her own. 
I have asked Wells Fargo to remove this account from my credit report, to date it has not been done.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

On XX/XX/year>... I noticed that someone hacked into my Chime bank account and stole my whole paycheck with the total of {$1300.00}. I during the name was at work which is XXXX XXXX XXXX at my job Im not allowed to use my phone. I downloaded Chime because my original bank didn't get paid on Wednesday but Chime did! I've used Chime for nine months and never had this problem so I was a bit confused. I called Chime and opened up a dispute and within 2 days the dispute was already closed and denied. After them closing the case I went ahead and got the police involved .. received a police report, gathered my time card from work stating what time I was at work from and to on that day, I sent Chime the emails stating someone was trying to hack into my account from XXXX XXXX XXXX mins before the transaction happened! Im only XXXX XXXX XXXX and I work really hard... Ive been in this situation with Chime for about a month now and my case keeps constantly getting denied after telling me plenty times that the case is going good and looking good they end up denying it again. Ive provided all the legal documents and statements stating I did not make this transaction. I am very upset!
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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 dont 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 The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!! 

The accounts listed here need to be REMOVED IMMEDIAYELY. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXXXXXX Act. # XXXX, XXXX Act. # XXXX, XXXX  XXXX Act. # XXXX, XXXX XXXX Bank XXXX # XXXX, XXXX XXXX XXXX  Act. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Childsupport Act. # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, Self XXXX
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

Account XXXX XXXX student loans that I supposedly owe a debt for. Aidvantage has not provided a properly endorsed security instrument when asking for proof of debt, as well as no performance statements on the security.
Consumer complaint received 2024-10-02
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. (MI)

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents along with a letter from an advocacy group assisting me as a victim of XXXX XXXX, specifically XXXX XXXX. This situation falls under the provisions of the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that this information be blocked from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking through debt bondage, I request that all related accounts be blocked and deleted from my report. 

Please ensure the following accounts with TransUnion are removed from my credit report : XXXX XXXX  XXXX XXXX Account Number : XXXX Balance : {$21000.00} ( Auto Loan ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$3200.00} ( Apartments ) Opened : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$700.00} ( Personal Loan ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$1300.00} ( DTE ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$760.00} ( Phone Line ) Opened : XX/XX/XXXX 2024
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation and Cease and Desist Dear To Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number 0021. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question.

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor.

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report.

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so.

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (WA)

I made a claim to Wells Fargo on XX/XX/year>, about unauthorized transactions on my account. I was on the phone with them for several hours talking to them about the issue on how I lost my cards & realized my account mustve been compromised so I called immediately when I realized. They keep saying theyll look into it more every time, but currently its been a month now & the claim still says its closed on their end. The amount on both two claims totals to {$9200.00}, with one claim with {$1000.00} & another claim with {$8200.00} in total. I do believe more money was compromised though ( maybe up to {$10000.00} more ) that they just didnt look into or even care to look into. Ive heard they have an automated system which investigates such suspicious fraud activity, I told them that their investigator should look into more. Im currently not a happy customer with Wells Fargo so I switched to XXXXXXXX XXXX just in case my money isnt more secure in the future at Wells Fargo. I havent even received an e-mail regarding my claim ( s ), its always me calling them to find out more information, in the long run they have wasted so much of my time & of course money.
Consumer complaint received 2024-10-02
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. (SC)

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 XXXXXXXX, has violated my rights. 


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.