davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
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. (MO)

I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX XXXX XXXX, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX  {$3200.00} ( 4 ) XXXX {$1.00} XXXX
Consumer complaint received 2024-06-17
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. (NM)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-15
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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
Consumer complaint received 2023-12-15
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-15
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: WELLS FARGO & COMPANY (NC)

I recently reviewed my credit report and see I unauthorized inquiry on it from WellsFargo. I never applied for any services from this company. This is affecting me from getting other credit please remove this. This is fraud.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TD BANK US HOLDING COMPANY (NC)

TD Auto finance is fully aware of all my issues with the dealership, also sent them documents pertaining to my issue with dealership fraud, to which then dealer continues to carry bon this fraud even forge my signature on some documents in reference to me having two different contract. XXXX XXXX XXXX went as far as having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my claim that I have no merit and my complaint should be devoid. 

XXXX XXXX XXXX said that my claim is based on my XXXX XXXX accumulating mechanical issues due to me declining to have the work done, when I bring my XXXX into the dealership for regular service and maintenance check. He also said that I am putting fault on another dealership for my troubles. I sent numerous letters to TD Bank concerning my issues with XXXX XXXX XXXX, I also have another complaint with another XXXX XXXX XXXX XXXX for deceptive conduct. 

And on XX/XX/2024 a repossession third party company came and stole my XXXX XXXX and I do not know who took it I ask them to call the police and the did not want to I have sent TD Auto several demand letters only for them to respond Im I going to make a payment and I clearly stated to them that I was not ok with paying on this loan having all these issues
Consumer complaint received 2023-12-15
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. (NM)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally file a complaint regarding the numerous attempts I have made to rectify and remove fraudulent items on my credit file. Despite my repeated efforts, these unauthorized entries continue to persist, adversely affecting my creditworthiness and causing significant distress. 

I have diligently followed your dispute resolution process, submitting the required documentation and providing detailed explanations of the inaccuracies. However, the response I have received thus far has been inadequate, as the fraudulent items remain on my credit report. 

Despite my consistent efforts to rectify the inaccuracies on my credit report, the fraudulent entries persist, indicating a failure in the credit reporting process. 

These fraudulent entries have had a detrimental impact on my creditworthiness, affecting my ability to secure favorable terms for loans, credit cards, and other financial products. 
The responses I have received from your bureau thus far do not reflect a thorough investigation into my disputes, and I remain dissatisfied with the lack of resolution. 

I request the following actions to be taken promptly : I urge you to conduct a comprehensive and thorough investigation into the fraudulent items on my credit report, including a review of all supporting documentation I have previously submitted. 

Upon confirmation of the inaccuracies, I request the immediate removal of the fraudulent items from my credit report. 

I expect clear and timely communication regarding the progress of the investigation and the steps taken to resolve the issues. 

I request that your bureau implements measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity of the credit reporting system. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will be left with no choice but to escalate this matter to the appropriate regulatory authorities and seek legal advice to protect my rights. I am asking for your assistance to remove these fraudulent items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion refuse to delete this off of my credit. They keep chaining the origination date, I am unsure who and what this is. 
Please Help! This is not right! I have disputed this several time with Transunion, and this appears to be ongoing, and they keep denying stating that the debt is confirmed. Then they would change the date of when it originated. I noticed on my credit reports with XXXX and XXXX, it is not on those reports, it looks like at one time it was and it had an original date of 2018 and they removed it. I am not sure what this is from. I read reviews on the company bad practices : XXXX XXXX XXXX XXXX, and it appears that are obnoxious with their practices and not being truthful. I need this removed. and Transunion is of no help, I have been going thru this for year now. Really ironic after several back and forth disputes with Trans Union, and my I completed a survey about the dislike of service they email me this : ( I had to click on the blog link within the email to get here to get help ) Here is a copy and paste of the email I got : Dear XXXX, Friendly Reminder : We recently notified you about the results of a completed TransUnion dispute investigation. If you haven't yet viewed the results, you can still view your dispute results online. You have until XX/XX/XXXX, XXXX  days from the date we notified you that your dispute results were first available. If you have already reviewed your results for this dispute, no action is necessary. Learn more about how to read your dispute investigation results in our blog. If you don't agree with your dispute results, visit our blog to guide you through additional steps you can take. Sincerely, Your TransUnion Support Team Please Help! This is not right!
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rossi Law Offices, Ltd (FL)

I recently received a letter from Rossi Law Offices , LTD from XXXX RI dated XX/XX/XXXX. The letter stated that I owed a debt of {$830.00} for a XXXX XXXX XXXX XXXX on my vehicle from XX/XX/XXXX. I have never received correspondence regarding this excise tax in the past and the car they are referencing was sold in early XX/XX/XXXX in the state of Florida under the dealership XXXX XXXX XXXX. I did have forwarding mail and never received any notification of this. The letter stated I had 30 days to respond to the correspondence to inquire more information. As I returned to my home today I received a 2nd correspondence letter date XX/XX/XXXX ( dated incorrectly or fraudulently ) stating that I have not yet responded to the letter from XX/XX/XXXX for the amount of {$830.00} ( different from the original amount stated ).  The letter claimed " we do not understand why you would not want to pay this account. '' This is clearly not a reputable law office, as dates and claimed amounts due have no proof of information provided by the town of XXXX XXXX or the State of Rhode Island, and additionally the language provided in the letter. The dates of the letters versus the verbiage and time of receipt clearly show that this is incorrect information. Should I have had an excise tax back in XXXX in regards to my vehicle I would have been glad to have rendered payment as it would have NOT been over {$800.00}. I have not yet contacted them as I would like to deal straight with the State of Rhode Island instead.
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: Experian Information Solutions Inc. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
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: Experian Information Solutions Inc. (LA)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing today because I have noticed some inaccurate information on the balance of my XXXX XXXX XXXX XXXX. This balance is reporting incorrectly on my credit report and is negatively impacting my score due to it increasing my utilization rate to 77 %. As stated on my billing statement my building cycle was from XXXX to XXXX, and showed my balance at the end of my billing cycle to be {$150.00} ; however your company is reporting that my balance was {$380.00}. This was updated on TransUnion on XXXX. This mistake violates my consumer laws under the Fair Credit Reporting Act. 

The account number is XXXX, my XXXX is XXXX, and my XXXX XXXX XXXX is XXXX. I have also enclosed all the doucement verify my identity and showing proof that this account is reporting incorrectly on my credit reports. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case you have not ensured maximum possible accuracy. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 According to the FRCA if an account is not reporting accurate information to my credit report, I have the right to get this account deleted. Please delete this negative and inaccurate account from my TransUnion credit report.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited a check on my Truist account signed over to me by a family member for {$12000.00}. The check was payed by XXXX XXXX to Truist. 

Truist decided to close my account because my name was not on check and they kept the funds given to them by XXXX XXXX. They told me to ask XXXX XXXX to recall the check. 

I asked XXXX XXXX to recall the check, they stated that they had no reason to recall the check and the matter was closed for them. 

Truist said to bring the owner of the check to bank and they would release the funds. The owner came and they were now not interested in speaking with her. That they would investigate and get back to me, this was in XXXX 2023. They never got back with me. 

I never received any correspondence from them regarding this transaction. I called and visited the bank several times and now they say that I have to provide a letter stating that the check belonged to me. That they tried to have XXXX XXXX recall the funds and XXXX XXXX would not respond to them. 

I have no way of providing the documents they are asking. They are under my familys name- not mine. As stated they signed over the check to me and I provided the funds that they needed to repair their roof ( hurricane damage ). This is an insurance check. 

I asked for a letter stating their decision so I could take it to XXXX XXXX. They said that they will not put anything in writing and that I must communicate with XXXX XXXX. That they will confiscate the {$12000.00} until I provide the letter that I can not provide, something thats impossible for me to do. 

Truist is keeping my money now for over 6 months and they said the case was close. They had decided to keep the money. 

The money belongs to me or they can return it back to XXXX XXXX so we can get the money that they already paid back. 

Truist said that thats not their problem. That they will not provide anything on writing and thats the Investigation will continue indefinitely. 

Please help with this matter. I can not get XXXX XXXX to recall the funds and Truist will not release the funds that XXXX XXXX already pay them for my account. Im in a corporate never ending circle. 

Thanks for your assistance, Kind regards, XXXX
Consumer complaint received 2023-12-15
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: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-15
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-15
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.