davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$570.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc. (GA)

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 5 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2024-05-21
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. (PA)

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments on TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account # : XXXX Account Name : XXXX XXXX Dates reporting NOT accurate : XXXX
Consumer complaint received 2024-05-21
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. (TX)

PLEASE BLOCKED AND REMOVED. 
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.
Consumer complaint received 2024-05-21
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)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in XXXX XXXX XXXX ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account from all three credit reporting agencies due to the violations : XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Consumer complaint received 2024-05-21
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 NOT RESPONSIBLE FOR THE DEBT ASSOCIATED WITH THE ORIGINAL CREDITOR XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX, AND WHEN I REQUESTED THE ORIGINAL CONTRACT, THEY FAILED TO PROVIDE IT.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 account. 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. Please delete the account : XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

1. The following personal information is incorrect XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 
. 
The following personal information is incorrect XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following personal information is incorrect XXXX XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

I am writing to express my deep concern and frustration regarding a disturbing incident involving Wells Fargo Bank. I discovered that a fraudulent checking account was opened under my name without my consent or knowledge, leading to a myriad of inconveniences and hardships. 

Upon reviewing my credit report in summer of 2022, I was shocked to find an unauthorized checking account listed under my name with Wells Fargo. This discovery not only came as a complete surprise but also raised serious questions about the security protocols and identity verification processes employed by your institution. 

The implications of this fraudulent activity have been far-reaching and disruptive. Firstly, the unauthorized checking account has tarnished my credit history and could potentially affect my ability to secure loans or other financial services in the future. Moreover, the fraudulent account has led to financial losses, including overdraft fees, insufficient fund charges, and potential damage to my credit score.

The inconvenience caused by this fraudulent checking account extends beyond just financial repercussions. I have been forced to spend countless hours attempting to rectify this issue, including contacting Wells Fargo 's customer service, submitting identity theft reports, and communicating with credit reporting agencies. This has resulted in significant stress and anxiety, as well as disruptions to my personal and professional life. 

Furthermore, the lack of communication and assistance from Wells Fargo throughout this ordeal has been deeply disappointing. Despite numerous attempts to resolve the issue, I have encountered delays, confusion, and a general lack of accountability from your institution. This has only exacerbated the frustration and inconvenience caused by the fraudulent checking account. 

As a victim of identity theft, I implore Wells Fargo to take immediate and decisive action to address this matter. This includes fully investigating the fraudulent account, removing it from my credit report, and implementing stricter identity verification measures to prevent similar incidents from occurring in the future. Additionally, I request compensation for any financial losses incurred as a result of this fraudulent activity. 

I trust that Wells Fargo will prioritize the resolution of this issue and take proactive steps to ensure the security and integrity of its customers ' accounts moving forward. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We applied for a loan modification with NationStar Mortgage. The bank denied our modification request, but did not finish the denial properly. We requested supporting documents, and the Bank said they had until XXXX XXXX to reply to us. Despite our requests for the supporting documentation, and frequent follow-up, with no response from our S.P.O.C, the bank went ahead and set a Trustee Sale Date for XXXX XXXX. XX/XX/2014On the bank 's original denial letter, they offered us a " short sale option '' which we wanted to go forward with. The bank gave us specific and lengthy information on the short sale process The bank went so far as to send us the paperwork to fill out and provide us with an email address to return the short sale documents to. We completed the requested documents on the day we received them, and returned them to the bank via their specific instructions that day. 

When we followed up with the bank today, they said it was the wrong paper work, and it was sent to the wrong department. Moreover, they are now claiming that there are no options available to short sell our home. The servicer should at least honor their written and spoken word and allow us to short sale the property.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Equifax keeps removing my XXXX XXXX credit card ending in XXXX. This continues to happen and Equifax never takes accountability. These is only happening with Equifax so it clearly their problem and not XXXX XXXX because they stated they reported to them on XX/XX/2024. This is completely frustrating and every other month Equifax is removing my credit card accounts. This has happened 3-4 times. 

I have two credit cards with XXXX XXXX and only 1 is showing on my credit report file. 

This is effecting my credit score.
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (NV)

I was once again a victim of identity theft, and this is yet another request to erase things from my credit file as a result of suspected identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS is required to remove all inquirieswithin 4 business days of receipt. Furthermore, the information provided on some inquiries isUNKNOWN to me and REMOVED from other bureaus, and I have reservations about its accuracy. 
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: 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. (IN)

I pulled my consumer report in XXXX and seen a collection account. The original lender has zero grounds to collect a balance from me as it was dismissed by the XXXX XXXX XXXX. I also have provided the courts official paperwork for the dismissal. Also in accordance to the FCRA law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Hence, I am notifying the credit bureaus that this information provided is inaccurate and needs to be removed immediately.

Also in accordance with the FCRA, USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

Hence, the credit bureaus do not have no " authority '' to report an adverse item in general and even with when inaccurate. These are both violations.
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)

XXXX XXXX - Year of birth XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX  XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XX/XX/XXXX Account type Credit card Status Open. 

Balance {$830.00} Balance updated XXXX XXXX, XXXX Credit limit {$1100.00} Credit usage 76 % Monthly payment {$70.00} Last Payment Date XX/XX/XXXX Highest balance {$830.00} Terms - Responsibility Individual Your statement - XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCORDING TO THE USC 1681 I DID NOT AUTHORIZE THE REPORTING OFFICES ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK OR REMOVE THE FILES
Consumer complaint received 2023-05-04
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: EQUIFAX, INC. (CA)

After enduring a lengthy and frustrating process, I demand that the Credit Reporting Agencies delete all fraudulent accounts and related information from my Credit File. It's astonishing how many times I have had to remind the Credit Bureaus that I was a victim of identity theft, and that the accounts in question are a direct result of that crime. I have repeatedly asked the Credit Bureaus to correct my Credit File by removing the disputed accounts, and have requested copies of proof of verification if they claim these accounts are mine. Despite my efforts, the Credit Bureaus have continuously failed to provide me with the documents I require. In addition to sending dispute letters and providing complete documents of proof of identity and Identity Theft Report from the FTC, I am submitting this CFPB Complaint to follow up on my previous complaint, and demand that the Credit Reporting Agencies take swift action and remove the disputed accounts from my Credit File before I am forced to take legal actions. Once again, I demand the following accounts be completely removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$32000.00}. If the Credit Bureaus insist that the disputed accounts were verified, they must provide me with copies of the documents I have requested. I expect prompt and thorough action to be taken, as this has been an ongoing issue that has caused significant stress and inconvenience. I trust that the Credit Reporting Agencies will do what is necessary to correct my Credit File as required by law.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX - {$13000.00} ; XXXX XXXX - {$310.00} ; XXXX XXXX XXXX - {$830.00}, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently looked up a copy of my credit report and noticed several inaccuracies on my account. This account is hunting my ability to get credit. It is my understanding that you will research these items for me to ensure their accuracy. Here is the item I ask you to verify as accurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
TRANSUNION : ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : **** TRANSUNION : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX TRANSUNION XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : **** TRANSUNION XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX TRANSUNION : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX