davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: ZIONS BANCORPORATION (UT)

hello Case # XXXX Zions bank send a NOTICE OF TRUSTEE SALE. With new company name how many companies own my mortgages this is a big pyrimid scheme. Financial pyrimid scheme groups 18 U.S. 2-239 pyrimid promotional scheme ; penal code section 327 11 U.S Code 327 Employment of profeciona... 
XXXX XXXX XXXX. 
Zions I know who is behind this I will send more info Zions bank, XXXX XXXX, and the group of scheme examples, All real states are private with their own banks. I'm the owner of all trustess private and public. I'm the internal Government CA under secret seals of XXXX. 
XXXX  churche is behind this in all there cult i got prove XXXX XXXX put in XXXX the they not in mortgages or real states, or trademark account clones i got one don't match with my private keys
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (LA)

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. Thank you.
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-20
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX : {$39000.00} XXXX XXXX XXXX XXXX  Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copyof my TransUnion Rental report sent to me via mail.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

My checking account was over drafted and the account was closed on XX/XX/XXXX. I have called and went into the local branch to make the payment of {$380.00} to bring a XXXX balance since then on XX/XX/2024 they have closed my savings account and they have said its due to activity on the account then they said its because of my address. I went to the branch to pay {$380.00} and ask to open my savings account they have told me they can not take my payment in the local branch but to call XXXX & XXXX which both have refused to take my payment of {$380.00} I am asking for help on this and have called the branch while I had the XXXX agent on the phone because they are telling me to one thing and vice versa. They tell me 10 different reasons why they closed my savings account and never saying the same thing! I can not understand that a company can get away with this!
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

The aforementioned accounts are fraudulent and have been included on my credit report without any legitimate basis. I demand an immediate and thorough investigation into how such blatantly false and damaging information was allowed to appear on my credit report. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. This situation has not only shocked me but has also created an enormous amount of stress and XXXX  as I grapple with the repercussions of inaccurate reporting on my financial standing. 
XXXX XXXX  XXXX PLEASE DELETE!!!! 
XXXX XXXX PLEASE DELETE!!!! 
It is incomprehensible that your bureau, entrusted with the responsibility of maintaining accurate credit information, has failed to prevent the inclusion of fraudulent accounts. This negligence has not only violated my rights as a consumer but has also tarnished my creditworthiness, potentially causing irreparable harm to my financial future. 
Remove the fraudulent accounts from my credit report promptly and provide written confirmation of their removal. I am appalled by the lack of diligence and oversight that has allowed such a grave error to occur. The impact on my creditworthiness is not to be taken lightly, and I insist on a swift resolution to rectify this situation.
Consumer complaint received 2023-12-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX 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 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There is a loan that is being reported on my credit report as CHARGED OFF but the lender has been garnishing my wages. Every two weeks they are deducting a payment of {$380.00} from my paycheck but they are reporting the account as a charged off account. I spoke to a lawyer and I was told that after the account is charged off it should be reported at {$0.00}.
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armcon Corp (CA)

This showed up on my credit report while I was applying for a home loan. this is negatively affecting my credit. I have no clue what this is or where it came from. I have not received ANY NOTIFICATION of owing this debt. No phone calls were attempted, no written communication was sent, and this company just willy-nilly added this to my credit report with out obtaining the proper information.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (MD)

Dear, Experian Re : Identity fraud victim This wasn't sent inadvertently, and it wasn't a significant false statement. 

I am not a third party i am a consumer and that I have included all of my verification documents, the erroneous information on my credit profile that your agency is reporting is already causing me enough stress and anxiety. Before I have to involve my legal counsel, please remove these unathorized items. 

Please be advised that the accounts in my credit report are the result of unauthorized use of my social security card and number. These accounts were opened in my name without my permission and consent, and they have nothing to do with anything I did. All of this is unknown to me. In accordance with 15 U.S. Code 1681c-2, REMOVE this information as the law instruct.

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-05-26
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. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I opened an credit card account with XXXX XXXX  on or about XX/XX/XXXX. I received an unauthorized charges on the the account in XX/XX/XXXX that I did not incur. I requested a reversal of the charges XXXX XXXX  stated they would would look into the issues. On or about XX/XX/XXXX charges began incurring on the account and I began making payment but not credits were being properly accessed to account. These problems continued with the account. In XXXX of XXXX I requested a payoff amount to initiate closure of the account, because I feared the problems with the account might eventually cause problems with my credit. XXXX XXXX  refused to close the account stating the account would have to be paid in full before closure. They sent me a payoff amount and I initiated payment in full and the payment was rejected. They started charging me late fees, over limit fees, return payment fees, and this continued until XXXX. As of to XXXX no charges were made to account and I have made numerous payments and they are continued XXXX XXXX  is claiming I have no legal recourse just have to deal with the problems. Credit reporting agencies are refusing the stop the negative reporting. Please help!
Consumer complaint received 2023-12-20
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. (NJ)

I am writing a complaint against Experian in regards to their previous investigation on my consumer report. Lately I have noticed several accounts thats reporting to my consumer report in which i am unaware of who these creditors are and how they got my personal information. After asking Experian to investigate these accounts they replied " verified '' in which these accounts don't even belong to me. The creditors reporting never had my consent to purchase my personal information nor did they have permission to report this to any credit reporting agency. I am aware that I have a right to privacy in which I believe my right was violated. These negative accounts are affecting my ability to obtain housing and necessary essentials for the day to day living. After asking them to very this account they never provided any documentation, agreements or signatures that have my approval. It is their duty to do what's fair and equitable to their consumers in which this isn't fair. Any information that's either inaccurate or non verifiable should be removed from my consumer report immediately. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Inaccurate payment history was reported by XXXX Account number XXXX. It all began when I requested a credit report and XXXX XXXX that XXXX bank reported 30 days late on my credit report, I immediately called XXXX to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXX the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd (CA)

I collect royalties from a distributor called XXXX, they use XXXX  to send this money to you, I had set up my bank info which is an App call Wise, and they used to be partners with XXXX XXXX, well I withdrew my money, but Wise change bank info for all users, and that money was sent to the old balance info, but they say that that money goes back in a few days to the sender, well its been XXXX months and nothing, XXXX gave me proof of payment with all info wise needed to located that money, but wise wasnt able to do, and XXXX already told me they cant solved that problem, and ended my convo with them, I told me to solve it with Wise, and wise tell that they need XXXX  to located that funds but they already said its on wises end, and wise wont give me a clear solution to this problem. Its around XXXX dollars in that transaction. Ive been going back in forth for months already and it doesnt seem to be a solution.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Every month the payment balance for the loans are not updated at each credit bureau, the last reporting dat is list as XXXX, but none of them updated the balances. As of XX/XX/XXXX, the balances remain the same. 

The total balance remaining is {$3500.00}, EACH bureau should have this balance. Each individual loan total should be updated according to the documents attached from XXXX.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCIAL XXXX XXXXXX/XX/XXXX