davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-05-20
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. (NY)

Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting.

2. Verification of their claim against you : that is, a signed Invoice.

3. A copy of the contract binding between me and you in a letter by certified mail.

4. Full disclosure because I was not told that I was creating the credit with my wet ink signature.

5. Equal consideration because you as the creditor brought nothing of value to the table.

6. Lawful Terms and Conditions.

7. Wet ink signatures between you and me. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-29
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. I also have been a victim of identity theft from a previous close friend. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-07-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

I recently received a letter from Wells Fargo auto stating that I owed {$1700.00} by XX/XX/XXXX or else they would reposses my vehicle if I didn't pay. I sent out written correspondence disputing the allegations, but I have not received any response yet. I don't have any contracts with Wells Fargo auto and I demand that they remove any encumbrances or liens from my property if there are any. They are attempting to steal my vehicle by theft and violate my rights. I have been a victim of identity theft in the past and this seems to be one of those situations. I paid cash for my XXXX XXXX XXXX and do not owe Wells Fargo anything because they never gave me anything of value.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED : # XXXX, 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.
Consumer complaint received 2023-07-04
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: American First Finance, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Account Number : XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-20
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. (NJ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-20
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to file a formal complaint against XXXX regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with XXXX, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX XXXX XXXX Account number : XXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX : Account number : XXXX, I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Remove this extremely damaging inaccurate information immediately from my credit report. 

XXXX XXXX : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. ". 

XXXX XXXX : Account number : XXXX, There's no way you can update an account that I have no recollection of ever belonging to me. You need to remove this inaccurate information immediately from my credit report. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from XXXX regarding the resolution of my dispute.
Consumer complaint received 2024-05-20
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-20
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-20
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. (IL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

1. This is a high limit credit card. I have max'ed out this credit card and always paid it in full. I had a relationship with this bank for 2 years. The company closed my card without reasoning and said they would find a way to reopen it. I have $ XXXX in purchases with information of the purchases I need for my taxes. I am not able to access the accounts or find any records. 

2. There is an unathorized purchase on the account from XXXX I am trying to dispute and no dispute was opened. 

3. I had made a full payment in XXXX and I was still charged interest. The bank said they would refund the interest charge and never did so.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In good faith, I brought this to Bank of America attention by mailing in a billing error dispute on XX/XX/year>. Bank of America response to this complaint stated that the amount reflected on the billing statement is the amount that I owe not the credit balance. I would like to know how do I owe an amount that has already been paid pursuant to federal law 18 U.S.C. 8 all obligations are covered by the United States, this includes all debts. Also if this alleged debt is owed why is it not reflected as a negative balance. A credit balance is a positive amount in excess of { {$1.00} } which the principal amount is clearly showing on this statement. Bank of America billing statement also states " a credit balance ( designated CR ) shown on this statement represents money owed to you. '' No where on this statement do you define an amount due. Bank of America is using the same verbiage to federal law 15 U.S.C. 1666d but is not following what needs to be done with the account which is crediting the amount back to my account and refunding any part of the amount to me each month. I've also noticed that the transactions on my billing statements I am being charged a finance charge but according to 15 U.S.C. 1605 a finance charge is the sum of all charges which is concerning because why is Bank of America not including every single charge on this statement in the finance charge and an even bigger concern is why is Bank of America defining the finance charge as something different. I made several request in my previous complaint which Bank of America failed to comply as well as ignored the other request. I will state again here, I would like to validate this debt and am requesting that Bank of America send me a full audit trail of my COMPLETE file, transactional history NOT bank statements, and accounting ledger that is authenticated by a secured party pursuant to U.C.C 9-102. America n Expresses stated that they can cancel and suspend my spending abilities at there discretion. Bank of America also stated that in their cardmember agreement I agreed to them being able to furnish my personal information to the credit reporting agencies. Both of these actions can result in a fine and up to 20 years of imprisonment pursuant to 18 U.S.C. 894. On, XX/XX/year>, I, XXXX XXXX, on behalf of my principal account XXXX XXXX, endorsed a bill by accepting all rights, titles and interest owed to my principal account and requested that the principal balance be paid on demand to the bearer. Included with a letter of instruction, sent certified mail. It is on record that the letter was received and the receiver was given XXXX ( XXXX ) days to respond and has yet to respond. I, XXXX : XXXX, a natural person and of legal age, am the beneficiary of the principal account. I demand that my request are taken seriously.
Consumer complaint received 2023-07-11
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 am interested in processing disputes on my credit report to delete all inaccurate information on my credit report with experian. this has been an issue that needs to be resolved asap. checking my credit report alot of invalid data has caused denials on my file. please review an remove the information submitted in the files asap.
Consumer complaint received 2024-05-20
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. (NY)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-20
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-20
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. (LA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out to XXXX XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. With this being said, please show proof where my periodic statement was sent regarding these one late payment. If a periodic statement can not be sent showing where this late payment occurred, please do your due diligence to update these one late payment. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Woke up to a new Bank of America checking account being opened in my name. I received two emails separate emails in my spam email account from Bank of America. The first said my checking account application was in process. The second said it was approved and had the type of checking and the last 6 digits of the account number. 

Ive called BoA, and with the last 4 of my SSN, there surely is an open account with the same digits in the email that is not yet funded, and the thing is, I cant seem to get anyone of the phone. The first time I was disconnected and the second time, I stayed on hold for 30 mins to be transferred and then disconnected. I finally reached a live person who claimed that a new fraud alert was being created but Ive yet to receive an email confirmation or a letter in the mail. Its been over two weeks since I spoke to the last Bank Security Agent. Please help!