davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN : XXXX Dob : XXXX XXXX XXXX To Transunion Date XXXX [ am mortified that you are reporting inaccurate information on my behalf without a thorough investigation., The accounts listed on my credit report are not mines and by law with the documents presented they must be removed. 
The accounts listed are XXXX XXXX XXXX : account Number XXXX is not mines please remove. 
The inquiries listed on the report XXXX : XX/XX/XXXX is not mines please remove The inquires listed on the report XXXXXXXX XXXX XX/XX/XXXX is not mines, Please remove The inquiry listed on my report XXXX XXXX  - Date : XX/XX/XXXX is not mines please remove. 
Thank you for your time and consideration. 
XXXX XXXX
Consumer complaint received 2024-01-31
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  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

Us auto sales closed on XXXX of XXXX. A lot of us consumers didn't know who to pay how to pay etc because sometime in XXXX they shut down the payment portal. My last payment was on XX/XX/XXXX through the portal. I reached out to the girl who sold me the car and she said she couldn't help me and didn't know who to call or what to do either. Around XXXX I found out westlake supposedly had my contract. I called on XX/XX/XXXX, told them I will make payment but I want the original contract and the new contract that states I have to pay them. I have been disputing this personally with westlake since XX/XX/XXXX. I belive they are charging me a higher interst rate than on the original contract. I still do not have proof of verification that I owe this debt to them. I am paying on a debt that I don't even know legally if I am supposed to. They don't have my name on some documents, when they email some of them don't use my correct name. How can I be sure? I am being charged a late fee on the XXXX of XXXX and payment was not do until XX/XX/XXXX. I was charged interest on the XXXX of XXXX but westlake didn't take over until the XXXX of XXXX. How can I be charged late fees to a company that didn't have power of attorney or anything yet? I have a future late fee on pay off for whatever reason.
Consumer complaint received 2023-12-23
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-17
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are from XXXX it is now XXXX it has passed the statue of limitations of 7 years.
Consumer complaint received 2023-06-11
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (AZ)

Tried to resolve issue with company which demand s money for numerous charges! After this attempt company repeatedly reported multiple bills on credit report constantly within a month time period to keep knocking score down! Just keep updating constantly! Company name : wakefield! Four different amounts : {$200.00} {$340.00} {$650.00} {$310.00} And they just keep adding! When calling to talk they just demand money
Consumer complaint received 2023-12-23
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. (AL)

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still items that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-30
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. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX XXXX like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the Free Solar Installation by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from XXXX Credit Bureau for Alert Enquiry ( as Exh # 1 ) and I was told by XXXX 's represent to call XXXX XXXX to find out the new inquiry and I had tried to contact XXXX XXXX ( as Exh # 2 ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as Exh # 4a+b ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX XXXX XXXX # XXXX ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as Exh # 5 ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to XXXX in the soonest time and XXXX assured XXXXhat he would submit to his company ( as Exh # 7a ... .7j ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as Exh # 4a+b ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as Exh # 6 ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

XXXX XXXX
Consumer complaint received 2023-09-04
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX : {$1500.00}.
Consumer complaint received 2023-09-23
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)

This message serves as a follow-up to draw attention to the outstanding matter concerning my credit records. I had previously requested TransUnion to remove a recent fraudulent inquiry. I'm simply ensuring that this inquiry will indeed be removed when I update my credit report within the next 15 days : TRANSUNION : XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XX/XX/XXXX, I went into the bank branch ( Bank of America, XXXX XXXX, XXXX, SC ) to cancel a recurring transfer transaction of {$3000.00}, when I realized that I couldn't figure out how to cancel the transfer on my mobile app. I told the woman there that I wanted to cancel not only the XX/XX/XXXX payment individually, but also the recurring transfer totally. I was assured it was cancelled. The XX/XX/XXXX transfer DID cancel. 

However, in XX/XX/XXXX I received an email that my recurring transfer was about to initiate. I went immediately in to the XXXX XXXX Bank of America branch, XXXX, SC. I wanted to both order a replacement ATM card and cancel the transfer. The " system was down '' so I got the replacement card ordered, but was told to call the customer service line to get the transfer cancelled. So I left the branch and called the customer service line and was told that though the transfer had begun to initiate, the money had not left my account yet so they would be able to cancel it. I reasserted that I wanted the transfer permanently cancelled. 

You can imagine my surprise when I saw that the transfer DID go through, despite my mobile attempt, in-person attempts ( twice ) and my telephone attempt to cancel it permanently, and their assurance that it WOULD be cancelled. 

This was a large transfer, and was the bank 's fault for not executing my cancellation properly. I was told it would be cancelled. So I called " customer service '' on XX/XX/18 and filed a complaint ( # XXXX, case # XXXX ). Initially I was told that it would take up to 45 days to resolve. When I reminded that them it was not an insignificant amount, it was XXXX, and IT WAS THEIR FAULT, they promised to resolve it within 5-10 days. 

It is now XX/XX/18 and when I called " customer service '' today ( XXXX XXXX, to XXXX ), I was told it was pending and could take up to 45 days. I reminded them it was a {$3000.00} transaction, not a {$15.00} one. This timeline is unacceptable, and when I was told this was just the procedure, I said I would take it up with the CFPB.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (CA)

My complaint centers on SageStream , LLC reported inaccurate and private information, which has adversely affected my consumer report. You are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. There actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected.
Consumer complaint received 2023-12-27
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. (NV)

I have a XXXX XXXX bankruptcy reporting on my credit report. I sent a letter to the bankruptcy court asking if they report to the credit bureau. I received a response stating they do not report to credit bureau. Any information reporting was not from there. I had a dispute filed with Transunion Credit Bureau and I got a response from the dispute saying the information was verified as accurate. I asked them also send me proof that the bankruptcy court verified this. I only received a letter from TransUnion stating verified as accurate. 

No proof of this from the bankruptcy court. I'm entitled to be provided with the documentation from the bankruptcy court that they used to verify this account. I asked if they couldn't provide me with verifiable proof this account be deleted from my credit bureau. I have not received any documentation of verification.
Consumer complaint received 2023-09-23
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 am truthfully asking the XXXX and Equifax XXXX to please REMOVE these fraudulent inquiries from my credit reports. As I have been telling you that these inquiries were unauthorized. And I need them to be removed from my credit reports. I understand the significance of preserving an precise credit reports, and I believe that the removal of these inquiries is crucial for my financial security : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moiharwin Diverisfied Corporation (NV)

XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$150.00} from back in XXXX.
Consumer complaint received 2024-04-21
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. (NC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

My complaint centers on Advanced Resolution Services , Inc. reported inaccurate and private information, which has adversely affected my consumer report.

Your actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.

1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.