davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (CA)

I am writing to formally request the removal of unauthorized inquiries on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have discovered several inquiries on my credit report that were made without my authorization, and I believe these inquiries were a result of identity theft. 

The specific details of the unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), victims of identity theft can request that credit reporting agencies block information resulting from identity theft. This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information in a consumers file that the consumer identifies as information that resulted from an alleged identity theft. Furthermore, Section 611 ( 15 U.S. Code 1681i ) of the FCRA provides the right to dispute inaccurate information on credit reports. Under this provision, credit reporting agencies are required to investigate and correct any inaccuracies found in a consumer 's credit report.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

IMPROPER USE OF MY CREDIT REPORT I have two accounts that are reporting to Experian. On both accounts, Experian is reporting unverified late payments where I have requested investigations on each account. Experian has yet to conduct a proper investigation NOR supply me with proof. I have requested these accounts to be UPDATED to PAID AS AGREED, NEVER LATE numerous times yet Experian continues to verify these accounts with no proof on HOW I was EVER late on these accounts. I do not recall EVER being late. 

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights!!!! Under Act 15 US Code 1681 Section 602 states, " I have the right to Privacy. '' 15 US Code 1681 Section 2 states " a consumer reporting agency can not refurnish the account without my written instructions. '' Under 15 US Code 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following accounts as PAID AS AGREED, NEVER LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XX/XX/2019 XXXX
Consumer complaint received 2024-04-13
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: Experian Information Solutions Inc. (NY)

On XX/XX/2024 I went to check my credit report and I have notice there are some hard inquiries on credit report that I have not authorized. Ive reached out to the credit bureau to have these accounts removed but i havent heard back from the credit bureau I would like to have these account removed from my credit report
Consumer complaint received 2024-04-13
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. (TN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-19
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America opened an account for a fraudster in my name in XX/XX/2023. I have never banked with them and never have used their products to my knowledge. In the account the fraudster disputed finds and a statement was sent to my house so I called the bank in XX/XX/2023 to have the account closed. The bank assured me the account would stay closed and no more would be opened in my name. In XXXX ( I was away ) and XXXX I received more statements. I called again and they closed the account and sent a letter the " Accounts were closed due to being unable to verify my identity ''. I then was satisfied at least the accounts were closed. The bank then sent me a check for the closed accounts. I can not believe this level of incompetency, considering I told them the account was not mine and I was not attached to the money in any way. I will not cash the check and am in the process of calling them to cancel the disbursement or even better work on trying to find out how and why this happened.
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I been advised to give TRANSUNION 1 last final chance to cure. I'm a federal protected consumer and federal laws have been broken. I have been patient with the process, but we have been dealing with this since XXXX. So I want to be clear I don't want we still working on it, or this is a duplicate. I have to send this over and over because I have not been presented with these items. I want the original wet signature contract between ME and XXXX XXXX XXXX XXXX stating I will pay alleged debt, also me given consent to furnish said debt on my consumer report. I also want and asked for the license to collect a debt in florida, the date of license and the name on the license. The following federal laws have been broken and also I will have the CFPB send this to the FTC. FCRA 609 and 605 as well as 623. Also 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. 15 USC 1682g. So to be clear I asked for the wet signature contract between ME and XXXX XXXX XXXX XXXX, and also me given written instruction to furnish ANYTHING on my consumer report, which I NEVER did and thats identity theft. Also TRANSUNION I have late payments which VIOLATES my federal protected rights 15 USC 1666b. So to be clear TRANSUNION and XXXX XXXX XXXX XXXX have VIOLATED my federal protected rights by not presenting all the items stated above, but yet still furnish negative item on my consumer report. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT THE CFPB WILL HELP WITH LITIGATION AND REPORTING THIS TO THE FTC!!! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-13
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: Experian Information Solutions Inc. (ND)

I DON'T RECOGNIZE THESE INQUIRIES ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ON EXPERIAN-XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-01
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. (TX)

I sent a letter to the Experian Credit Bureau requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Consumer complaint received 2024-04-13
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. (MO)

I trust this message finds you well. I am reaching out to follow up on the ongoing issue regarding the presence of fraudulent items in our records. Despite our repeated efforts to address this matter, it is concerning to note that the fraudulent items remain unresolved. 

Despite our cooperation and provision of necessary information, there has been no visible progress in removing these fraudulent items from our records. 

We urge you to prioritize this matter and take decisive steps to identify, investigate, and remove all fraudulent items from our records without further delay. Additionally, we request transparent communication regarding the actions being taken to address this issue and prevent its recurrence in the future. With this, I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-19
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. (MD)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inqu

iries 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 rea
sonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I found on my XX/XX/XXXX transactions a XXXX wells fargo withdrawal. Used a non wells fargo atm and withdrew XXXX and accepted the XXXX fee for a total of XXXX. I don't ever remember getting charged by own bank for using a non wells fargo atm in the past. I got dinged XXXX XXXX for XXXX transaction. I called Wells Fargo on XX/XX/XXXX thinking it was a mistake. The Wells Fargo customer service representative said that was the Wells Fargo fee. I said ok and hung up.
Consumer complaint received 2024-01-19
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. (IL)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXXXXXX Balance Owed : {$32000.00} XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX  Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-19
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. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions. ''
Consumer complaint received 2024-01-19
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$9500.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-12-26
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I XXXX XXXX XXXX XXXX XXXX XXXX did not make the charge. I ask that the items be deleted to correct my credit report. I reported XXXXXXXX XXXX XXXX XXXX XXXX to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

hi there during the time of the payments where when XXXX came then things got bad for me with family issues out of town had to budget expenses due to the economy going down for my business so I was trying to seek a reasonable payment in date to focus on towards paying my debt off with them an then XXXX day I received a call being treated to be sued when I was trying to communicate a reasonable price. I've never got a call always emails mail maybe once about high a end installment payments.
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention a pressing matter involving XXXX XXXX XXXX and a late payment discrepancy that has adversely impacted my credit. I believe XXXX has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 

In XX/XX/year>, I purchased a vehicle from XXXX and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted XXXX to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 

Upon escalating the matter to a supervisor, I was informed that XXXX had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/year>. 

XXXX XXXX XXXX XXXX .... Date Opened XX/XX/year> Balance : {$51000.00} Late dateXXXX I kindly request your intervention to prompt XXXX XXXX XXXX to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. 

Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with XXXX.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I requested a Bank of America XXXX XXXX which I never received, I went to the branch about my card because virtual card was locked, when I received card in the mail, my card was unable to activate and my funds were used from my account with different debit card number. Bank of America denied my claim and refused to investigate and to reimburse me with a XXXX liability policy.