davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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. (GA)

I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Name of Credit Bureau ], I have identified multiple inquiries that I did not authorize or recognize. 

Listed below are the unauthorized inquiries : XXXX. XXXXreditor Name : ** XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX : ** XXXX. **Creditor Name : ** XXXX XXXX XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXXXXXX [ Date ] XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX : ** [ Date ] XXXX. **Creditor Name : ** XXXX XXXXXXXX : ** [ Date ] XXXX. XXXXCreditor Name : ** XXXX XXXX XXXX XXXXXXXX : ** [ Date ] I categorically state that I did not apply for credit or authorize inquiries with the above-listed creditors during the specified dates. These unauthorized inquiries are inaccurate and are adversely affecting my credit score.

Under the FCRA, Section 1681b ( c ), and Section 1681i ( a ), I am entitled to dispute and request the removal of inaccurate or unauthorized information from my credit report. This includes unauthorized inquiries that have been improperly listed.

Enclosed are copies of my credit report highlighting the unauthorized inquiries, along with supporting documentation demonstrating that I did not authorize these inquiries.

I demand that [ Name of Credit Bureau ] conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report in accordance with the FCRA. Please provide me with a written response detailing the results of your investigation and confirmation of the inquiries ' removal.

I expect this matter to be resolved expeditiously, as required by law. Failure to comply with FCRA requirements may result in further legal action.
Consumer complaint received 2019-06-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (FL)

I was contacted by a company called XXXX  XXXX XXXX on the evening of Wednesday, XX/XX/XXXX. They had most of my information already, my name, the last 4 of my social, my birthdate, everything. They claimed to be a partner of the Federal Government, and claimed that under an education rider on the ACA act, they could pay off most of my student loans and take over completely from my loan provider, then I would pay them a decreased amount from my current payment. I fell for it stupidly, gave them my social, and suddenly all my student loan account information had been changed and I was getting notices from Navient and XXXX  about all of it. All the research I did indicated they lied about several things, they were not a legit company, and they were scamming me.
Consumer complaint received 2024-06-17
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance-
Consumer complaint received 2024-06-17
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. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accountsXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Consumer complaint received 2024-07-17
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. (MN)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AZ)

Someone used my information to open up several accounts. That opened 5 retail accounts and bought a couple of cars in my name. The retail accounts were turned over to Midland credit management and they had filed a lawsuit against me. I disputed them and they stopped the lawsuit and than sent me a letter saying that they finished their investigation and I was liable for them. They said if I had other information to submit they would investigate again. I sent them police reports copies of the girl who used my information and they still said I was liable. They have now filed another lawsuit against me.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the inaccurate public record currently listed on my credit report. Specifically, the record inaccurately indicates a judgment against me, which does not exist. Upon reviewing my credit report, I was dismayed to find this erroneous public record. There has been no judgment filed against me, and this mistake is seriously affecting my credit standing. I have taken the necessary steps to address this issue and have filed a complaint with the Federal Trade Commission ( FTC ) to document the inaccuracy and its impact. Given the serious nature of this error, I urge you to conduct a comprehensive investigation into this matter and remove the inaccurate public record from my credit report immediately. The presence of this false information is unjustly damaging my credit profile and could have significant adverse effects on my financial wellbeing. 

Bankruptcy XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear sir, I have received the documents prepared on XX/XX/year> regarding the Wells Fargo case no. XXXX and XXXX about account numbers ending in XXXX and XXXX. The CFPB case number is XXXX. You also included the letters written from the office of Wells Fargo Bank , N.A . XXXX XXXX and XXXX, addressed XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX. The documents on XX/XX/year> has dispute ID no. XXXX for account ending in XXXX. XXXX on XX/XX/year> has dispute ID no. XXXX for account ending in XXXX. The last one with dispute ID XXXX is for the account ending in XXXX. Both accounts, XXXX and XXXX, were meant for my business, the XXXX XXXX, and both were closed just after the Pandemic started with the belief, I would move to XXXX, NY after the completion of my degree with XXXX XXXX XXXX. Those accounts did not have any overdrafts and other issues to be criticized by your company. I do not remember whether your company branch sent me similar documents from the section of overdraft collection and recovery, since I closed the accounts because your company did not have the branch in XXXX, NY. Even if I do not remember whether I received similar documents in XXXX, I need to state that I do not have adequate reasons to be contacted by this section. As I am already having the identity theft report from FTC and my data which should be kept securely seems to be spoiled or made into disorder, it might be in vain to contact with them. Anyway, I have many CFPB cases with most of credit report companies. To receive the proper and organized credit reports created and recognized socially in the United States, these credit report companies need to dare investigating and answering the questions I made in the past XXXX year. 
Since I do not have any accounts with Wells Fargo and did not have any overdraft, I consider asking private information including social security number and date of birth might be interfering the protection of privacy. If this office needs the FTC identity theft report, this office can ask me directly again with proper reason why it has contacted with me and asked to provide the personal information ; even though I do not have any relationship and overdraft with Wells Fargo. 
Since I have had unwanted calls and unpleasant conversation with several customer services, I prefer not to converse by phone. Also, I consider it is preferable by letters to make sure the communication is verified by the non-English speaking residents of the United States. Since you state there is no issue between Wells Fargo and I, I believe we do not have to communicate further ; even though there is some questions. Also, I prefer to communicate by official and public phone numbers of Wells Fargo more than suggested number XXXX. 
Sincerely,
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I began making payments on my loans in XX/XX/XXXX, as I graduated college in XXXX XXXX  XXXX. My first payment was made XX/XX/XXXX for two months of payments because MOHELA was not allowing my first payment to go through. The payment made on XX/XX/XXXX was for {$570.00} according to my bank statement. The payment is titled ELECTRONIC PMT-WEB, XXXX XXXX  XXXX XXXX XXXX. My second payment was made XX/XX/XXXX, for {$280.00}. The payment is titled ACH DEBIT, XXXX XXXX XXXXXXXX XXXX XXXX. 

According to MOHELA and Studentaid.gov they only show records of payments starting XX/XX/XXXX, on XX/XX/XXXX. They only show records of 4 months of payments starting in XXXX and do not show the two payments of {$570.00} and {$280.00} made XX/XX/XXXX and XX/XX/XXXX respectively. Both websites show that I have paid {$1100.00} in total, while my bank statements show that I have made payments totaling {$2000.00}. 

I have submitted a complaint on studentaid.gov, and have reached out to MOHELA who explained it could take up to two months for my original payments to show on the new platform they started using in XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Subject : Unauthorized Credit Inquiry by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  To Whom It XXXX Concern : On XX/XX/year>, I contacted XXXX at XXXX XXXX XXXX in XXXX, West Virginia, regarding a XXXX XXXX XXXX. During our conversation, I was quoted a lease price of {$XXXX} for the vehicle, including delivery and Virginia sales tax. I authorized the dealership to proceed with the purchase. They subsequently altered the price to {$XXXX}, bait and switch? 

I explicitly informed XXXX, the sales XXXX, that my personal banker at XXXX Bank advised the dealership should not pull my credit. Instead, they were instructed to submit the necessary information directly to XXXX Bank. I even confirmed this instruction via text message and herein submit relevant photo evidence. 

Despite my clear instructions, XXXX XXXX XXXX proceeded to pull my credit report from all three credit bureaus without my consent. Additionally, they had XXXX Bank initiate a credit inquiry. As evidence, I have attached the relevant text messages as well as a XXXX file of the inquiry reflecting at each of the credit bureaus. 

Due to this unauthorized credit inquiry, I decided to cancel the entire deal. I promptly notified all three credit bureaus about the situation, but unfortunately, they have been uncooperative. Furthermore, XXXX XXXX XXXX has failed to honor their promise to remove the inquiries. 

I kindly request your assistance in resolving this matter. I believe that XXXX XXXX XXXX 's actions were not only unethical but also illegal. Please investigate this incident and take appropriate action to rectify the situation. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Dear XXXX XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX